Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2019	Mar. 31, 2018
Cash Flows From Operating Activities
Net income	$ 911	$ 616
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion of premiums and discounts on investments, net	2,943	3,907
Net realized loss on sales and calls of securities		1
Provision for loan losses	780	525
Loans originated for sale	(8,318)	(6,337)
Proceeds from sale of loans	7,303	7,957
Net gain on sale of loans	(56)	(148)
Amortization of intangible assets	11	11
Depreciation and amortization	321	287
Deferred income tax expense	(133)	(47)
Increase in cash surrender value of insurance	(100)	(99)
(Increase) decrease in accrued interest receivable	(259)	484
Decrease (increase) in other assets	1,161	(216)
Increase (decrease) in accrued expenses and other liabilities	5,045	(72)
Net cash (used in) provided by operating activities	9,609	6,869
Cash Flows from Investing Activities
Proceeds from sales and calls of securities		375
Purchases of securities	(9,709)
Net purchases of FHLB Stock	(2,036)	(139)
Net increase in loans	(28,189)	(15,138)
Purchases of bank premises and equipment	(235)	(81)
Proceeds from sale of other real estate owned	51
Net cash used in investing activities	(40,118)	(14,983)
Cash Flows from Financing Activities
Net (decrease) increase in demand deposits, NOW, money market and savings accounts	(18,931)	1,968
Net increase in time deposits	18,537	5,113
Decrease in mortgagors' escrow accounts	(1,414)	(1,055)
Net increase in short-term debt	43,683	3,100
Net decrease in long-term debt	(3,436)
Return of unfulfilled subscriptions	(41,073)
Offering expenses	(1,887)
Return of capital to Rhinebeck Bancorp, MHC	(121)
Net cash provided by financing activities	(4,642)	9,126
Net (decrease) increase in cash and due from banks	(35,151)	1,012
Cash and Due from Banks
Beginning balance	50,590	10,460
Ending balance	15,439	11,472
Cash paid for:
Interest	1,758	965
Income taxes	6	12
Noncash Investing and Financing Activities
Unrealized holding gain (loss) on available for sale securities arising during the period	1,317	$ (1,360)
Decrease in defined benefit plan liability included in other comprehensive loss	$ (70)