Regulatory Matters (Tables)

9 Months Ended

Sep. 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
	September 30, 2024
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	138,116	12.81	%	$	86,234	8.00	%	$	107,793	10.00	%
Tier 1 capital (to risk-weighted assets)		129,743	12.04	%		64,676	6.00	%		86,234	8.00	%
Common equity tier one capital (to risk weighted assets)		129,743	12.04	%		48,507	4.50	%		70,065	6.50	%
Tier 1 capital (to average assets)		129,743	10.04	%		51,694	4.00	%		64,618	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	%