Rhinebeck Bancorp, Inc. (RBKB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	61.6M	75.8M	54.3M	66.4M	54.5M
Cost of Revenue	23.8M	24.1M	28.3M	24.4M	8.2M
Gross Profit	37.8M	51.7M	25.9M	42.0M	46.4M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	12.4M	12.1M	22.1M	21.2M	23.1M
General & Admin Expense	11.7M	11.5M	21.5M	20.7M	22.4M
Selling & Marketing Expense	701.0K	574.0K	588.0K	555.0K	693.0K
Other Expenses	18.5M	26.9M	14.8M	15.1M	14.3M
Total Operating Expenses	30.9M	39.0M	36.9M	36.4M	37.5M
Cost and Expenses	54.7M	63.2M	65.2M	60.8M	45.6M
Operating Income (EBIT)	6.9M	12.7M	(10.9M)	5.6M	8.9M
Non-Operating
Interest Income	36.4M	68.9M	63.8M	60.7M	48.6M
Interest Expense	22.0M	22.5M	25.5M	22.7M	6.8M
Net Interest Income	14.4M	46.4M	38.2M	38.0M	41.8M
Other Non-Op Income/Expense	6.2M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	13.1M	12.7M	(10.9M)	5.6M	8.9M
Income Tax Expense	2.8M	2.6M	(2.3M)	1.2M	1.9M
Bottom Line
Net Income	10.3M	10.0M	(8.6M)	4.4M	7.0M
Earnings from Cont. Ops	10.3M	10.0M	(8.6M)	4.4M	7.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	10.3M	10.0M	(8.6M)	4.4M	7.0M
Per Share
Basic EPS	$0.88	$0.93	($0.80)	$0.41	$0.65
Diluted EPS	$0.86	$0.92	($0.80)	$0.40	$0.64
Revenue Per Share	$4.10	$6.99	$5.04	$6.15	$5.03
Shares
Basic Shares Outstanding	15.0M	10.8M	10.8M	10.8M	10.8M
Diluted Shares Outstanding	15.2M	11.0M	10.8M	10.9M	11.0M
Profitability Metrics
EBITDA	8.1M	14.0M	(9.5M)	7.1M	10.6M
D&A	1.1M	1.4M	1.4M	1.5M	1.7M
EBIT	6.9M	12.7M	(10.9M)	5.6M	8.9M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026