Rhinebeck Bancorp, Inc. (RBKB) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	60.6M	75.8M	54.3M	66.4M	54.5M
Cost of Revenue	24.0M	24.1M	28.3M	24.4M	8.2M
Gross Profit	36.6M	51.7M	25.9M	42.0M	46.4M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	12.3M	12.1M	22.1M	21.2M	23.1M
General & Admin Expense	11.6M	11.5M	21.5M	20.7M	22.4M
Selling & Marketing Expense	719.0K	574.0K	588.0K	555.0K	693.0K
Other Expenses	18.0M	26.9M	14.8M	15.1M	14.3M
Total Operating Expenses	30.3M	39.0M	36.9M	36.4M	37.5M
Cost and Expenses	54.3M	63.2M	65.2M	60.8M	45.6M
Operating Income (EBIT)	6.3M	12.7M	(10.9M)	5.6M	8.9M
Non-Operating
Interest Income	35.5M	68.9M	63.8M	60.7M	48.6M
Interest Expense	22.1M	22.5M	25.5M	22.7M	6.8M
Net Interest Income	13.4M	46.4M	38.2M	38.0M	41.8M
Other Non-Op Income/Expense	6.2M	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	12.5M	12.7M	(10.9M)	5.6M	8.9M
Income Tax Expense	2.6M	2.6M	(2.3M)	1.2M	1.9M
Bottom Line
Net Income	9.9M	10.0M	(8.6M)	4.4M	7.0M
Earnings from Cont. Ops	9.9M	10.0M	(8.6M)	4.4M	7.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	9.9M	10.0M	(8.6M)	4.4M	7.0M
Per Share
Basic EPS	$0.92	$0.93	($0.80)	$0.41	$0.65
Diluted EPS	$0.90	$0.92	($0.80)	$0.40	$0.64
Revenue Per Share	$5.59	$6.99	$5.04	$6.15	$5.03
Shares
Basic Shares Outstanding	10.8M	10.8M	10.8M	10.8M	10.8M
Diluted Shares Outstanding	11.0M	11.0M	10.8M	10.9M	11.0M
Profitability Metrics
EBITDA	6.5M	13.6M	(9.5M)	7.1M	10.6M
D&A	233.0K	892.0K	1.4M	1.5M	1.7M
EBIT	6.3M	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 Jun 1, 2026