Rhinebeck Bancorp (RBKB) Q4 2025 earnings summary

Executive summary

• Achieved net income of $2.3 million for Q4 2025, up from a net loss of $2.7 million in Q4 2024, and $10.0 million for the full year, reversing a prior year net loss of $8.6 million.

• Diluted EPS was $0.21 for Q4 2025 and $0.92 for the year, compared to a loss per share of $0.25 and $0.80, respectively, in 2024.

• Return on average assets improved to 0.78% for 2025, reflecting disciplined balance sheet management and margin expansion.

Financial highlights

• Net interest income rose 16.3% year-over-year to $11.8 million for Q4 2025 and 23.1% to $46.4 million for the year.

• Net interest margin increased to 3.87% for Q4 2025 and 3.89% for the year, up from 3.50% and 3.17% in 2024.

• Non-interest income was $1.7 million for Q4 2025 and $7.0 million for the year, rebounding from losses in 2024 due to prior securities sales.

• Non-interest expense increased 5.9% year-over-year to $39.0 million, mainly from higher compensation and operating costs.

• Total assets grew 3.7% to $1.30 billion; deposits increased 7.5% to $1.10 billion.

Outlook and guidance

• Entering 2026 with strong capital, liquidity, and a focus on sustainable shareholder value.