​

​

​

​

​

​

​

​

​

​

​

​

To be Well Capitalized under 

​

​

​

​

​

​

​

For Capital Adequacy

​

Prompt Corrective Action

​

​

Actual

​

Purposes

​

Provisions

​

  ​ ​ ​

Amount

  ​ ​ ​

Ratio

  ​ ​ ​

Amount

  ​ ​ ​

Ratio

  ​ ​ ​

Amount

  ​ ​ ​

Ratio

​

​

June 30, 2026

Rhinebeck Bank

​

  ​

​

​

​

​

​

​

​

​

​

​

​

​

Total capital (to risk-weighted assets)

​

$

153,134

15.41

%  

$

79,497

8.00

%  

$

99,371

10.00

%

Tier 1 capital (to risk-weighted assets)

​

145,219

14.61

%  

59,623

6.00

%  

79,497

8.00

%

Common equity tier one capital (to risk weighted assets)

​

145,219

14.61

%  

44,717

4.50

%  

64,591

6.50

%

Tier 1 capital (to average assets)

​

145,219

10.93

%  

53,154

4.00

%  

66,443

5.00

%

​

​

December 31, 2025

Rhinebeck Bank

​

  ​

  ​

​

  ​

  ​

​

  ​

  ​

​

Total capital (to risk-weighted assets)

​

$

147,671

14.40

%  

$

82,039

8.00

%  

$

102,549

10.00

%

Tier 1 capital (to risk-weighted assets)

​

139,166

13.57

%  

61,529

6.00

%  

82,039

8.00

%

Common equity tier one capital (to risk weighted assets)

​

139,166

13.57

%  

46,147

4.50

%  

66,657

6.50

%

Tier 1 capital (to average assets)

​

139,166

10.62

%  

52,423

4.00

%  

65,529

5.00

%