To be Well Capitalized under

For Capital Adequacy

Prompt Corrective Action

Actual

Purposes

Provisions

Amount

Ratio

Amount

Ratio

Amount

Ratio

December 31, 2025

Rhinebeck Bank

Total capital (to risk-weighted assets)

$

147,671

14.40

%

$

82,039

8.00

%

$

102,549

10.00

%

Tier 1 capital (to risk-weighted assets)

139,166

13.57

%

61,529

6.00

%

82,039

8.00

%

Common equity tier one capital (to risk weighted assets)

139,166

13.57

%

46,147

4.50

%

66,657

6.50

%

Tier 1 capital (to average assets)

139,166

10.62

%

52,423

4.00

%

65,529

5.00

%