Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2026

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
	March 31, 2026
Rhinebeck Bank
Total capital (to risk-weighted assets)	$	149,998	14.95	%	$	80,259	8.00	%	$	100,324	10.00	%
Tier 1 capital (to risk-weighted assets)		141,969	14.15	%		60,194	6.00	%		80,259	8.00	%
Common equity tier one capital (to risk weighted assets)		141,969	14.15	%		45,146	4.50	%		65,210	6.50	%
Tier 1 capital (to average assets)		141,969	10.94	%		51,907	4.00	%		64,883	5.00	%

	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	%