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  <xsd:element name="EmployeeStockOwnershipPlanEsopMember" id="rbkb_EmployeeStockOwnershipPlanEsopMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopTermsOfRepurchase" id="rbkb_EmployeeStockOwnershipPlanEsopTermsOfRepurchase" type="xbrli:durationItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element name="EmployeeOwnershipPlanEsopRateOfInterest" id="rbkb_EmployeeOwnershipPlanEsopRateOfInterest" type="dtr-types:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element name="RhinebeckBankMember" id="rbkb_RhinebeckBankMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element name="AppraisalOfCollateralMember" id="rbkb_AppraisalOfCollateralMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element name="MeasurementInputLiquidationExpensesMember" id="rbkb_MeasurementInputLiquidationExpensesMember" type="dtr-types:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" />
  <xsd:element id="rbkb_ImpairedLoansMeasurementInput" name="ImpairedLoansMeasurementInput" nillable="true" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="rbkb_IncreaseDecreaseInDemandDepositsMoneyMarketAndSavingsAccounts" name="IncreaseDecreaseInDemandDepositsMoneyMarketAndSavingsAccounts" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <xsd:element id="rbkb_NumberOfRepresentativeOffice" name="NumberOfRepresentativeOffice" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_ImpairmentRelatedToFederalHomeLoanStock" name="ImpairmentRelatedToFederalHomeLoanStock" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <xsd:element id="rbkb_ReorganizationAxis" name="ReorganizationAxis" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_ReorganizationDomain" name="ReorganizationDomain" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_ResidentialMortgageAndHomeEquityLoanMember" name="ResidentialMortgageAndHomeEquityLoanMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_LongTermDebtAndFederalHomeLoanBankLineItems" name="LongTermDebtAndFederalHomeLoanBankLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_NumberOfInvestmentFunds" name="NumberOfInvestmentFunds" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_ImpairedLoansWithSpecificReservesMember" name="ImpairedLoansWithSpecificReservesMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_NumberOfFixedIncomeFunds" name="NumberOfFixedIncomeFunds" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_NumberOfStoresLeased" name="NumberOfStoresLeased" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_EquityIncentivePlan2020Member" name="EquityIncentivePlan2020Member" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesAuthorizedForIssuancePercentageOfSharesIssuedInMutualHoldingCompanyReorganization" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesAuthorizedForIssuancePercentageOfSharesIssuedInMutualHoldingCompanyReorganization" nillable="true" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_EmployeeStockOwnershipPlanEsopNumberOfSharesPaidOutToParticipants" name="EmployeeStockOwnershipPlanEsopNumberOfSharesPaidOutToParticipants" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <xsd:element id="rbkb_LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" name="LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFour" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <xsd:element id="rbkb_LoanLevelInterestRateSwapsMember" name="LoanLevelInterestRateSwapsMember" nillable="true" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_CommitmentsAndContingenciesAndDerivativesDisclosureAbstract" name="CommitmentsAndContingenciesAndDerivativesDisclosureAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_CommitmentsAndContingenciesAndDerivativesTextBlock" name="CommitmentsAndContingenciesAndDerivativesTextBlock" nillable="true" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_StockIssuedDuringPeriodValuePreferredSecurities" name="StockIssuedDuringPeriodValuePreferredSecurities" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <xsd:element id="rbkb_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" name="RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <xsd:element id="rbkb_NumberOfLeasedAdministrativeOffices" name="NumberOfLeasedAdministrativeOffices" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element id="rbkb_NumberOfWhollyOwnedSubsidiaries" name="NumberOfWhollyOwnedSubsidiaries" nillable="true" type="xbrli:integerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <xsd:element name="ImpairedLoansValuationTechniqueExtensibleList" id="rbkb_ImpairedLoansValuationTechniqueExtensibleList" type="enum2:enumerationSetItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" enum2:linkrole="http://fasb.org/srt/role/srt-eedm/ExtensibleEnumerationLists" enum2:domain="us-gaap:ValuationTechniqueDomain" enum2:headUsable="false" />
  <xsd:element name="TimeDepositsReciprocalDeposits" id="rbkb_TimeDepositsReciprocalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoansSoldWithRecourseMember" id="rbkb_LoansSoldWithRecourseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="WatchMember" id="rbkb_WatchMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnfundedCommitmentAllowancesForCreditLossTableTextBlock" id="rbkb_UnfundedCommitmentAllowancesForCreditLossTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableIndividuallyEvaluatedForImpairmentNumberOfContracts" id="rbkb_FinancingReceivableIndividuallyEvaluatedForImpairmentNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="SummaryOfProvisionForCreditLossesTableTextBlock" id="rbkb_SummaryOfProvisionForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReciprocalDeposits" id="rbkb_ReciprocalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MoneyMarketAccountsReciprocalDeposits" id="rbkb_MoneyMarketAccountsReciprocalDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AccruedInterestReceivableFairValueDisclosure" id="rbkb_AccruedInterestReceivableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccruedInterestPayableFairValueDisclosure" id="rbkb_AccruedInterestPayableFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FixedMediumTermOnSeptember212026Member" id="rbkb_FixedMediumTermOnSeptember212026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedMediumTermOnNovember92026Member" id="rbkb_FixedMediumTermOnNovember92026Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestImpairedAmountRecordedInvestments" id="rbkb_FinancingReceivableExcludingAccruedInterestImpairedAmountRecordedInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtSecuritiesAvailableForSaleSecuritiesNonaccrual" id="rbkb_DebtSecuritiesAvailableForSaleSecuritiesNonaccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DebtInstrumentRelativeSpreadAdjustmentOnVariableRate" id="rbkb_DebtInstrumentRelativeSpreadAdjustmentOnVariableRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableNonaccrualAllowanceForCreditLossExcludingAccruedInterest" id="rbkb_FinancingReceivableNonaccrualAllowanceForCreditLossExcludingAccruedInterest" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" id="rbkb_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="FixedMediumTermOnMay32027Member" id="rbkb_FixedMediumTermOnMay32027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedMediumTermOnJune212027Member" id="rbkb_FixedMediumTermOnJune212027Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CreditCardLinesMember" id="rbkb_CreditCardLinesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PacificCoastBankersBankMember" id="rbkb_PacificCoastBankersBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FixedMediumTermOnJune272028Member" id="rbkb_FixedMediumTermOnJune272028Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EquityIncentivePlan2025Member" id="rbkb_EquityIncentivePlan2025Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockSubscriptionDeposits" id="rbkb_StockSubscriptionDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EquityIncentivePlansMember" id="rbkb_EquityIncentivePlansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="StockExchangeRatio" id="rbkb_StockExchangeRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CashPaidInLieuOfFractionalSharesPricePerShare" id="rbkb_CashPaidInLieuOfFractionalSharesPricePerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PublicStockOffering2ndStepConversionOfMutualHoldingCompanyMember" id="rbkb_PublicStockOffering2ndStepConversionOfMutualHoldingCompanyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ForwardStartingInterestRateSwapMember" id="rbkb_ForwardStartingInterestRateSwapMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
