X0202 SCHEDULE 13G 0002160320 XXXXXXXX LIVE Common Stock, par value $0.01 per share 09/30/2026 0001751783 Rhinebeck Bancorp, Inc. 762093201 2 Jefferson Plaza Poughkeepsie NY 12601 Rule 13d-1(b) Rhinebeck Bank Employee Stock Ownership Plan Trust b NY 751731 164035 915766 0 915766 5.86 EP Rhinebeck Bancorp, Inc. 2 Jefferson Plaza, Poughkeepsie, New York 12601 Rhinebeck Bank Employee Stock Ownership Plan Trust Trustee: Delaware Charter Guarantee & Trust Company dba Principal Trust Company 1013 Centre Road, Suite 300 Wilmington, Delaware 19805 New York N EP 915,766 5.86% 751,731 164,035 915,766 0 Y Y Y N The reporting person is an employee benefit plan subject to the provisions of the Employee Retirement Income Security Act of 1974, as amended. Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. Rhinebeck Bank Employee Stock Ownership Plan Trust /s/ Jared Gillespie 11/10/2026