Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2025

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, 2025
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	142,130	13.45	%	$	84,510	8.00	%	$	105,638	10.00	%
Tier 1 capital (to risk-weighted assets)		133,697	12.66	%		63,383	6.00	%		84,510	8.00	%
Common equity tier one capital (to risk weighted assets)		133,697	12.66	%		47,537	4.50	%		68,665	6.50	%
Tier 1 capital (to average assets)		133,697	10.64	%		50,266	4.00	%		62,833	5.00	%

	December 31, 2024
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	135,450	12.63	%	$	85,821	8.00	%	$	107,276	10.00	%
Tier 1 capital (to risk-weighted assets)		126,668	11.81	%		64,366	6.00	%		85,821	8.00	%
Common equity tier one capital (to risk weighted assets)		126,668	11.81	%		48,274	4.50	%		69,729	6.50	%
Tier 1 capital (to average assets)		126,668	10.07	%		50,292	4.00	%		62,865	5.00	%