Actual

For Capital
Adequacy Purposes

To be Well
Capitalized under
Prompt Corrective
Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

September 30, 2018

(unaudited)

Rhinebeck Bancorp, MHC

Total capital (to risk-weighted assets)

$

69,698

9.86

%

$

56,538

8.00

%

$

70,672

10.00

%

Tier 1 capital (to risk-weighted assets)

63,388

8.97

%

42,403

6.00

%

56,538

8.00

%

Common equity tier one capital (to risk weighted assets)

63,388

8.97

%

31,803

4.50

%

45,937

6.50

%

Tier 1 capital (to average assets)

63,388

7.85

%

32,319

4.00

%

40,399

5.00

%

Rhinebeck Bank

Total capital (to risk-weighted assets)

$

72,858

10.31

%

$

56,526

8.00

%

$

70,657

10.00

%

Tier 1 capital (to risk-weighted assets)

66,548

9.42

%

42,394

6.00

%

56,526

8.00

%

Common equity tier one capital (to risk weighted assets)

66,548

9.42

%

31,796

4.50

%

45,927

6.50

%

Tier 1 capital (to average assets)

66,548

8.24

%

32,313

4.00

%

40,391

5.00

%

December 31, 2017

Rhinebeck Bancorp, MHC

Total capital (to risk-weighted assets)

$

65,623

10.94

%

$

47,977

8.00

%

$

59,971

10.00

%

Tier 1 capital (to risk-weighted assets)

60,166

10.03

%

35,983

6.00

%

47,977

8.00

%

Common equity tier one capital (to risk weighted assets)

60,166

10.03

%

26,987

4.50

%

38,891

6.50

%

Tier 1 capital (to average assets)

60,166

8.16

%

29,488

4.00

%

36,860

5.00

%

Rhinebeck Bank

Total capital (to risk-weighted assets)

$

68,631

11.45

%

$

47,964

8.00

%

$

59,955

10.00

%

Tier 1 capital (to risk-weighted assets)

63,174

10.54

%

35,973

6.00

%

47,964

8.00

%

Common equity tier one capital (to risk weighted assets)

63,174

10.54

%

26,980

4.50

%

38,971

6.50

%

Tier 1 capital (to average assets)

63,174

8.57

%

29,488

4.00

%

36,860

5.00

%