Rhinebeck Bancorp (RBKB) risk factors
Item 1A of every Rhinebeck Bancorp, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors36 risks6 new7 dropped15 reworded
Total assets increased by $46.0 million to $1.30 billion in 2025 as the balance sheet stabilized.
Filed Mar 13, 2026 - FY2024 10-K risk factors37 risks
Heavy geographic concentration in the Hudson Valley region exposes the bank to local economic and real estate downturns. Indirect automobile loans represent 30.3% of the total loan portfolio, creating substantial credit risk. Commercial real estate and business loans comprise 58.9% of the loan portfolio. Loss of Emerging Growth Company status increases regulatory burdens and costs. Balance sheet restructuring reduced accumulated other comprehensive loss on securities from $26.1 million to $10.5 million.
Filed Mar 25, 2025