Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Cash Flows from Operating Activities
Net income	$ 1,075	$ 911
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization and accretion of premiums and discounts on investments, net	110	66
Net realized loss on sales and calls of securities	29
Provision for loan losses	1,200	780
Loans originated for sale	(15,335)	(8,318)
Proceeds from sale of loans	16,850	7,303
Net gain on sale of loans	(254)	(56)
Amortization of intangible assets	11	11
Depreciation and amortization	328	321
Deferred income tax benefit	(53)	(133)
Increase in cash surrender value of insurance	(97)	(100)
Increase in accrued interest receivable	(199)	(259)
Expense of released ESOP shares	55
(Increase) decrease in other assets	(6,008)	1,161
Increase (decrease) in accrued expenses and other liabilities	6,047	(395)
Net cash provided by operating activities	3,759	1,292
Cash Flows from Investing Activities
Proceeds from sales and calls of securities	6,996
Proceeds from maturities and principal repayments of securities	6,009	2,877
Purchases of securities	(10,146)	(9,709)
Net purchases of FHLB Stock	(600)	(2,036)
Net increase in loans	(19,351)	(28,189)
Purchases of bank premises and equipment	(493)	(235)
Net increase of other real estate owned	(16)
Proceeds from sale of other real estate owned	51	51
Net cash used in investing activities	(17,550)	(37,241)
Cash Flows from Financing Activities
Net increase in demand deposits, NOW, money market and savings accounts	(629)	(18,931)
Net increase in time deposits	11,941	18,537
Decrease in mortgagors' escrow accounts	(1,043)	(1,414)
Net increase in short-term debt	2,861	43,683
Net increase (decrease) in long-term debt	10,479	(3,436)
Proceeds of stock subscriptions		9,814
Return of unfulfilled stock subscriptions		(41,083)
Offering expenses		(1,887)
Loan to ESOP		(4,364)
Return of capital to Rhinebeck Bancorp, MHC		(121)
Net cash provided by financing activities	23,609	798
Net increase (decrease) in cash and due from banks	9,818	(35,151)
Cash and Due from Banks
Beginning balance	11,978	50,590	$ 50,590
Ending balance	21,796	15,439	$ 11,978
Cash paid for:
Interest	2,445	1,758
Income taxes	$ 3	$ 6