Regulatory Matters (Tables)

9 Months Ended

Sep. 30, 2022

Regulatory Matters

Schedule of actual capital amounts and ratios

The Bank’s actual capital amounts and ratios were:

									To be Well Capitalized under
					For Capital Adequacy				Prompt Corrective Action
	Actual				Purposes				Provisions
	Amount		Ratio		Amount		Ratio		Amount		Ratio
	September 30, 2022
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	138,827	12.57	%	$	88,372	8.00	%	$	110,464	10.00	%
Tier 1 capital (to risk-weighted assets)		130,335	11.80	%		66,279	6.00	%		88,372	8.00	%
Common equity tier one capital (to risk weighted assets)		130,335	11.80	%		49,709	4.50	%		71,802	6.50	%
Tier 1 capital (to average assets)		130,335	9.83	%		53,058	4.00	%		66,322	5.00	%

	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	%