Rhinebeck Bancorp (RBKB) Financial Statements & Analysis

Rhinebeck Bancorp (RBKB) Income Statement

Rhinebeck Bancorp reported revenue of $53.35M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 1.7% from $54.26M a year earlier. Net income was $10.04M, a net margin of 18.8%. Gross margin was 96.9% and operating margin 23.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $13.39M, up 2.2% from the same quarter a year earlier.

Rhinebeck Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Rhinebeck Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	53.36	54.26	66.39	47.77	50.50	52.69	46.62	39.28	34.26
Cost of Revenue	24.14	28.33	24.40	8.17	0.62	15.16	11.20	7.42	4.20
Gross Profit	51.71	25.91	42.00	46.36	50.49	37.53	35.42	31.86	30.06
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	23.52	22.07	21.25	23.12	9.19	19.50	18.12	17.09	16.11
Operating Expenses	39.02	36.87	36.38	37.46	35.50	30.05	27.93	26.49	23.46
Operating Income	12.69	-10.94	5.61	8.90	14.99	7.48	7.49	5.37	6.60
Other Income/Expense
Interest Income	68.87	63.76	60.66	48.59	43.70	44.40	40.99	33.73	27.89
Interest Expense	22.48	25.53	22.69	6.76	4.29	8.02	8.74	5.32	3.30
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	12.69	-10.94	5.61	8.90	14.99	7.48	7.49	5.37	6.60
Income Tax Expense	2.64	-2.32	1.22	1.90	3.43	1.56	1.53	1.01	3.60
Net Income	10.05	-8.62	4.40	7.00	11.56	5.92	5.96	4.36	3.00
Net Income - Continuous Operations	10.05	-8.62	4.40	7.00	11.56	5.92	5.96	4.36	3.00
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	1.36	-9.51	7.11	10.55	1.66	8.88	8.83	6.54	7.81
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.06	1.42	1.49	0.10	0.10	1.42	1.33	1.19	1.21
Earnings Per Share
Basic EPS	1.00	-1.00	-	1.00	1.00	1.00	1.00	1.00	1.00
Diluted EPS	1.00	-1.00	-	1.00	1.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	10.81	10.76	10.79	10.84	15.05	10.73	10.71	4.16	4.16
Diluted Shares Outstanding	10.96	10.76	10.86	11.00	15.31	10.74	10.71	4.16	4.16

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Rhinebeck Bancorp Financial Statements

What was Rhinebeck Bancorp's revenue in fiscal 2025?

Rhinebeck Bancorp reported revenue of $53.35M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 1.7% from $54.26M a year earlier.

Is Rhinebeck Bancorp profitable?

Yes. Rhinebeck Bancorp earned net income of $10.04M in fiscal 2025, a net margin of 18.8%. In fiscal 2024 it lost $8.62M.

What is Rhinebeck Bancorp's operating margin?

Rhinebeck Bancorp's operating income was $12.69M on revenue of $53.35M in fiscal 2025, an operating margin of 23.8%, compared with -20.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition