Actual

For Capital
Adequacy Purposes

To be Well
Capitalized under
Prompt Corrective
Action Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

June 30, 2019

(unaudited)

Rhinebeck Bancorp, Inc.

Total capital (to risk-weighted assets)

$

116,098

14.69

%

$

63,232

8.00

%

$

79,039

10.00

%

Tier 1 capital (to risk-weighted assets)

108,240

13.69

%

47,424

6.00

%

63,232

8.00

%

Common equity tier one capital (to risk weighted assets)

108,240

13.69

%

35,568

4.50

%

51,376

6.50

%

Tier 1 capital (to average assets)

108,240

11.92

%

36,319

4.00

%

45,398

5.00

%

Rhinebeck Bank

Total capital (to risk-weighted assets)

$

107,591

13.62

%

$

63,219

8.00

%

$

79,024

10.00

%

Tier 1 capital (to risk-weighted assets)

99,733

12.62

%

47,414

6.00

%

63,219

8.00

%

Common equity tier one capital (to risk weighted assets)

99,733

12.62

%

35,561

4.50

%

51,366

6.50

%

Tier 1 capital (to average assets)

99,733

11.04

%

36,149

4.00

%

45,186

5.00

%

December 31, 2018

Rhinebeck Bancorp, MHC

Total capital (to risk-weighted assets)

$

71,243

9.71

%

$

58,707

8.00

%

$

73,383

10.00

%

Tier 1 capital (to risk-weighted assets)

64,597

8.80

%

44,030

6.00

%

58,707

8.00

%

Common equity tier one capital (to risk weighted assets)

64,597

8.80

%

33,023

4.50

%

47,699

6.50

%

Tier 1 capital (to average assets)

64,597

7.63

%

33,849

4.00

%

42,311

5.00

%

Rhinebeck Bank

Total capital (to risk-weighted assets)

$

81,222

11.07

%

$

58,694

8.00

%

$

73,368

10.00

%

Tier 1 capital (to risk-weighted assets)

74,576

10.16

%

44,021

6.00

%

58,694

8.00

%

Common equity tier one capital (to risk weighted assets)

74,576

10.16

%

33,016

4.50

%

47,689

6.50

%

Tier 1 capital (to average assets)

74,576

8.80

%

33,901

4.00

%

42,376

5.00

%