Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2024

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
	June 30, 2024
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	146,906	13.29	%	$	88,406	8.00	%	$	110,508	10.00	%
Tier 1 capital (to risk-weighted assets)		139,078	12.59	%		66,305	6.00	%		88,406	8.00	%
Common equity tier one capital (to risk weighted assets)		139,078	12.59	%		49,729	4.50	%		71,830	6.50	%
Tier 1 capital (to average assets)		139,078	10.60	%		52,498	4.00	%		65,622	5.00	%

	December 31, 2023
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	144,675	12.70	%	$	91,154	8.00	%	$	113,942	10.00	%
Tier 1 capital (to risk-weighted assets)		136,295	11.96	%		68,365	6.00	%		91,154	8.00	%
Common equity tier one capital (to risk weighted assets)		136,295	11.96	%		51,274	4.50	%		74,062	6.50	%
Tier 1 capital (to average assets)		136,295	10.10	%		53,990	4.00	%		67,488	5.00	%