Regulatory Matters (Tables)

12 Months Ended

Dec. 31, 2021

Regulatory Matters

Schedule of actual capital amounts and ratios

									To be Well Capitalized under
					For Capital Adequacy				Prompt Corrective Action
	Actual				Purposes				Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	December 31, 2021
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	130,217	13.54	%	$	76,917	8.00	%	$	96,146	10.00	%
Tier 1 capital (to risk-weighted assets)		122,658	12.76	%		57,687	6.00	%		76,917	8.00	%
Common equity tier one capital (to risk weighted assets)		122,658	12.76	%		43,266	4.50	%		62,495	6.50	%
Tier 1 capital (to average assets)		122,658	9.65	%		50,865	4.00	%		63,582	5.00	%

	December 31, 2020
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	121,604	13.97	%	$	69,614	8.00	%	$	87,018	10.00	%
Tier 1 capital (to risk-weighted assets)		110,717	12.72	%		52,211	6.00	%		69,614	8.00	%
Common equity tier one capital (to risk weighted assets)		110,717	12.72	%		39,158	4.50	%		56,562	6.50	%
Tier 1 capital (to average assets)		110,717	9.95	%		44,529	4.00	%		55,662	5.00	%

Schedule of reconciliation of the Company's and Bank's stockholders' equity to total regulatory

	December 31, 2021				December 31, 2020
	Consolidated		Bank		Consolidated		Bank
Total stockholders' equity per financial statements	$	125,969	$	118,691	$	116,499	$	108,535
Adjustments to Tier 1 and Common Equity Tier 1 capital:
Accumulated other comprehensive loss		6,635		6,635		3,791		3,791
Goodwill disallowed		(2,235)		(2,235)		(1,410)		(1,410)
Core deposit intangible		(433)		(433)		(199)		(199)
Total Tier 1 and Common Equity Tier 1 capital		129,936		122,658		118,681		110,717
Adjustments to total capital:
Allowance for credit losses		7,559		7,559		11,633		11,633
Overfunding of the allowance		—		—		(746)		(746)
Total regulatory capital	$	137,495	$	130,217	$	129,568	$	121,604