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Get filing alertsRhinebeck Bancorp announces second-step conversion, returns to profitability with 72bp NIM expansion
Filed March 13, 2026 · Period ending December 31, 2025 · Compared to 10-K Mar 25, 2025 · ~1 min read
Key Changes
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Company announced definitive plan to convert from mutual holding company to fully public structure, eliminating MHC's 57% stake. Requires regulatory and shareholder approval.
Business: Second-Step Conversion verify on EDGAR → -
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Net income of $10.0M ($0.92 EPS) in 2025 vs. $8.6M loss in 2024; net interest margin expanded 72bp to 3.89% as 2024 securities restructuring benefits flow through.
MD&A: Earnings Recovery verify on EDGAR → -
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Strategic pivot toward commercial real estate: CRE grew $66.8M to $417.8M (43.6% of loans) while indirect auto portfolio declined $81.9M to $213.8M (22.3% of loans).
Business: Loan Portfolio Mix verify on EDGAR →
2 more material changes behind this preview — plus the full narrative summary, section-by-section diffs against the prior filing, and verbatim quotes with EDGAR citations.
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Source-verified from EDGAR · Narrative written by AI · Jun 4, 2026 · How we verify