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Regulatory Matters (Tables)
3 Months Ended
Mar. 31, 2024
Regulatory Matters  
Schedule of actual capital amounts and ratios

The Bank’s actual capital amounts and ratios were:

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To be Well Capitalized under 

 

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For Capital Adequacy

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Prompt Corrective Action

 

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Actual

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Purposes

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Provisions

 

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Amount

    

Ratio

    

Amount

    

Ratio

    

Amount

    

Ratio

 

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March 31, 2024

 

Rhinebeck Bank

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Total capital (to risk-weighted assets)

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$

145,962

 

12.99

%  

$

89,892

 

8.00

%  

$

112,366

 

10.00

%

Tier 1 capital (to risk-weighted assets)

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137,749

 

12.26

%  

 

67,419

 

6.00

%  

 

89,892

 

8.00

%

Common equity tier one capital (to risk weighted assets)

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137,749

 

12.26

%  

 

50,564

 

4.50

%  

 

73,038

 

6.50

%

Tier 1 capital (to average assets)

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137,749

 

10.28

%  

 

53,582

 

4.00

%  

 

66,977

 

5.00

%

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December 31, 2023

 

Rhinebeck Bank

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Total capital (to risk-weighted assets)

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$

144,675

 

12.70

%  

$

91,154

 

8.00

%  

$

113,942

 

10.00

%

Tier 1 capital (to risk-weighted assets)

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136,295

 

11.96

%  

 

68,365

 

6.00

%  

 

91,154

 

8.00

%

Common equity tier one capital (to risk weighted assets)

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136,295

 

11.96

%  

 

51,274

 

4.50

%  

 

74,062

 

6.50

%

Tier 1 capital (to average assets)

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136,295

 

10.10

%  

 

53,990

 

4.00

%  

 

67,488

 

5.00

%

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