# RHINEBECK BANK
RHINEBECK, NY · FDIC certificate 16032 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.47B | |
| Deposits | $1.30B | |
| Loans and leases | $926.2M | |
| Total equity | $138.9M | |
| Loans / deposits | 70.50% (p17 of band) | 87.10% |
| Liquid assets / assets | 32.38% (p79 of band) | |
| Uninsured deposits / deposits | 36.49% (p64 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.35% (p18 of band) | |
| FHLB advances / assets | 0.35% | |
| Tier 1 leverage | 10.93% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -6.23% (p57 of band) | -7.75% |
| AOCI / equity | -0.53% (p33 of band) | |
| ROA (annualized) | 0.82% (p20 of band) | 1.26% |
| Net interest margin | 3.65% (p47 of band) | 3.70% |
| Efficiency ratio | 73.20% (p84 of band) | |
| Noncurrent loans | 0.38% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p75 of band) | |
| Reserve coverage of noncurrent | 220.74% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 5.59% (p8 of band) | |
| Auto loans | $180.2M (19.46% of loans; DQ 3.37%, NCO 0.10%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 19.3% | |
| Employees | 157 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 4 | capital falling, charge-offs p90 |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 |  |  |
| 2014-12 | 2 |  | capital falling, charge-offs p90 |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | capital falling | charge-offs p90 |
| 2015-12 | 3 | expense ratio p90 | capital falling |
| 2016-03 | 2 |  | expense ratio p90 |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 3 | capital falling, reserve under noncurrent |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 4 | expense ratio p90, charge-offs p90 |  |
| 2017-06 | 3 |  | expense ratio p90 |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | capital falling, charge-offs p90 |  |
| 2018-06 | 4 | expense ratio p90 | charge-offs p90 |
| 2018-09 | 3 |  | expense ratio p90 |
| 2018-12 | 1 |  | reserve under noncurrent, capital falling |
| 2019-03 | 2 | loans exceed deposits |  |
| 2019-06 | 1 |  | loans exceed deposits |
| 2019-09 | 3 | capital falling, reserve under noncurrent |  |
| 2019-12 | 4 | charge-offs p90 |  |
| 2020-03 | 4 | loans exceed deposits | charge-offs p90 |
| 2020-06 | 3 |  | loans exceed deposits |
| 2020-09 | 2 |  | reserve under noncurrent |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | expense ratio p90 |  |
| 2023-03 | 5 | capital falling, charge-offs p90, uninsured deposits leaving | AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 5 | expense ratio p90 | capital falling |
| 2023-09 | 2 |  | charge-offs p90, uninsured deposits leaving, expense ratio p90 |
| 2023-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-09 | 2 | losing money |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | losing money |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | auto book souring |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-16 [Rhinebeck Bank opens at 800 Westchester Ave. in Rye Brook - Westfair Communications](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVVFkZ2FOT0d3LW50X3VjNElQODBnYV9rTTBmbTg4cnl6RVZNRUVLZkZtRGlubFE0ZTJFZ1BxWUJ0aWxXZkw4d21rNFdkZDdGTHFPOWhHX2xWMDlWeGFsdDBqd21lMG9nYm1WV2I5Tk1QRTlmem5Kb3o1TktkWDJhMnp3YnVVWDA3Ri1LVGxxZURkOHUxajRLcTVBWFA4U2E5dFE?oc=5) · Westfair Communications
- 2026-07-15 [Rhinebeck Bank Expands Commercial Banking Presence With New Westchester County Office - Yahoo Finance](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPS3dkZ0VFQjhJTHNpSDF3ZVdHeUpzRHFKWHZucVA1dzJ1SHVfS1FNUENhVFZLMXBQbmliRVJsQjAtVk9lY0xHcnBlSnBzaWM5MkxzNTAwNVozak5sTm0xRzl3NmlGVW1jTzZoM3RST28wT2g1czhZcXVNenFydnhvbmEzbGl1dFlrUWpjc2JBOGhfYWdGX1NQdTRId1pYcEJ5LWpLdDR0YkVVZw?oc=5) · Yahoo Finance
- 2026-03-26 [Rhinebeck Bank Partners with MANTL to Accelerate Digital Account Opening - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxNMlA5c0pkOS13LVRmSWpzdDlraFhBakl6SjNGOWZtUHhqcS0yZGRDeno3RVM3QVZTZlh5bWg4OXRSMzlmeThqSzJneG05Yk1zUzVLMmZVVjZQVVowRWRpc0hBNGFYNV84bUN0Zkh0Mm90NGpfRUE3Y2FvcmVBdUZwSHF6WDF6V1hHUkRNSHhCa2F0Q2FucUVmQWF2MnZKWG0xLVNBZEY5X2s1ZUdKbG13S0s0VGVWNE9ncFFZU3NhN256aXloNHgw?oc=5) · PR Newswire
- 2026-07-28 [New Rhinebeck Bank lender brings 20 years serving Hudson Valley businesses - Stock Titan](https://news.google.com/rss/articles/CBMivwFBVV95cUxNX203NVlSMVM1VThWQWRwUF85NkkzVjhWcmNjVHJjWkdnV3ZNckxnLTZMYTFBRVVXTjZmTEFJZUtfUVVJdWhHZDRIazJZRmZ5bnFicFVVTXhSU1dGM1drNUVGcmFxRGVPWWQ4Q1p6Y2szM2N0REoxakZSZldoZHdPa20tY0JoMmRLWTNaTGZIemR5elc2UWtlYlh2YXlIMXo1c3FTTW1LN01qcVhTbWJueUQ3SUpWcUpHMDNjOTI4RQ?oc=5) · Stock Titan
- 2026-07-21 [Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQZkFoTjFYQU5FY1ByRjB0bTNpSkZCZmpVV216TDVrQm15OFd2TjBBdlpuM3RmSGdkZjU0VjU2T05kTW1oQWlmSEtGMEZnaEdUNHE5RWh1NkJpd1JCcWdhUXZzX2cwVjdQN01NbXpfUHBtUXlHdXBpN0V5U0oyWVdSblZ6TDA5b2NWMm9YR1hFbGQ4bnc4N012UDhDOFJoMnlzbEtaYWpXSXFKalo1Y05jLVgxNk9qQ190UUgydmFtX05fQVpTN2JuQXM1YXRGWUxRV3doT0RheHR3alF1Smx2aFNRV1c?oc=5) · ACCESS Newswire
- 2026-05-26 [Rhinebeck Bancorp launches stock offering at $10 per share - Investing.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxNYTBCX29DdVNjS2hPSnpBWlBGeWJCc3lUdXF5YmlVejlyaHJ2dk9NdGFiM1FEQWx3VE5mbDg4a1l1QmhHZkVsdVN3MGJzMjFYYUtwc3ljam03T25lSllqSWpPUDg0YTN1NHp0U1pNVUp2NlZOMkduSVUtNXE2a3ZteGJPNHZYQTlkTFdpc1BfV2RMNWo4R09wc25ia1VyUTZWZWpSN2ZuVS1pc1JjSmtUbHVlVTU?oc=5) · Investing.com
- 2026-06-30 [Rhinebeck Bancorp Advances Plan to Fully Demutualize - The Globe and Mail](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQUXBtcTg4SUJhb2gyMWU5eUJ3WUhUZjhkZGo1cExxY2JhN19XZGp6c1VxQkxzTFNPNDdFSnhJR1ZjMEI2bGlSOHJIWVRZZmJHSklnbEYwZkNCWjFsYzRQZXdIQWpSamRFZkFhaWFaektWM3BJdm80TkRWSDliMjRtY29qamZlYVFwWWNyS2huWDBYemowUnExd3lMcFVnSTlNMTRpekY4YnQzUWxDVGh3WXdCVms2ang0ZXlsOFdnU1MxVkIxOGZWUHRwNUIzcm1jR1ow?oc=5) · The Globe and Mail
- 2026-06-29 [Rhinebeck Bancorp, Inc. Announces Stockholder and Depositor Approvals of Pending Conversion Transaction - ACCESS Newswire](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPTmNuTHNSbk9BOERnSERaZjlKcG1ER0Zaekg2Y1dSSG53bW5hbnhaSWdxZm5sVHl1U1lNdFIzWE5jYlhPRV96WVhLcUxMamhWNV9VTFdkdUFtaEZzdnY1WGFwbTJhdzZoSDl5aGIzMkVIRzU4eDNDN2R0TDRqcW5reDJLSEJLcVFJZU1ZeGVYRXZaNFQ4cjZfOHh1SEJ5VGFfdHhpWGFYMXVLcVhMMGJMNVloZGFhdHNOU1dyMEtkSThTS25paVRhbWd3QjM2X1lxU0hlTk5hUTYyVjk5NUZpQlVlQ1A?oc=5) · ACCESS Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16032 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "16032", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide