RBKB / Rhinebeck Bancorp, Inc. - Arquivamentos da SEC, Relatório Anual, Declaração de Procuração

Rhinebeck Bancorp, Inc.
US ˙ NasdaqCM ˙ US7620931029

Estatísticas Básicas
CIK 1751783
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Rhinebeck Bancorp, Inc.
SEC Filings (Chronological Order)
Esta página fornece uma lista completa e cronológica de Arquivamentos da SEC, excluindo os arquivamentos de propriedade que fornecemos em outro lugar.
May 26, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 26, 2026 Rhinebeck Bancorp, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 26, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 26, 2026 EX-99.1

Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering

CONTACT:Matthew Smith President & CEO (845) 454-8555 [email protected] Rhinebeck Bancorp, Inc. Announces Commencement of Stock Offering Poughkeepsie, New York (May 26, 2026) — Rhinebeck Bancorp, Inc. (“Rhinebeck Bancorp”) (NASDAQ: RBKB), the holding company for Rhinebeck Bank (the “Bank”), announced that Rhinebeck Bancorp has commenced its stock offering in connection with the proposed “sec

May 22, 2026 424B3

PROSPECTUS AND PROXY STATEMENT OF RHINEBECK BANCORP, INC.

Filed pursuant to Rule 424(b)(3) Registration No. 333-294283 Dear Fellow Stockholder: Rhinebeck Bancorp, Inc. (“Rhinebeck Bancorp”), a Maryland corporation and the bank holding company of Rhinebeck Bank, is soliciting stockholder votes regarding the mutual-to-stock conversion of Rhinebeck Bancorp, MHC. Pursuant to an Amended and Restated Plan of Conversion and Reorganization (the “Plan of Conversi

May 22, 2026 424B3

(Holding Company for Rhinebeck Bank) Up to 8,912,500 Shares of Common Stock

TABLE OF CONTENTS  Filed pursuant to Rule 424(b)(3)  Registration No. 333-294283 PROSPECTUS (Holding Company for Rhinebeck Bank) Up to 8,912,500 Shares of Common Stock Rhinebeck Bancorp, Inc., a Maryland corporation that we refer to as “Rhinebeck Bancorp” throughout this prospectus, is offering shares of common stock for sale on a best-efforts basis in connection with the conversion of Rhinebeck B

May 22, 2026 424B3

RHINEBECK BANK 401(k) PLAN Offering of Participation Interests in up to 3,298,199 Shares of Rhinebeck Bancorp, Inc. Common Stock

TABLE OF CONTENTS  Filed pursuant to Rule 424(b)(3)  Registration No. 333-294283 Prospectus Supplement RHINEBECK BANK 401(k) PLAN Offering of Participation Interests in up to 3,298,199 Shares of Rhinebeck Bancorp, Inc. Common Stock Rhinebeck Bancorp, Inc., a Maryland corporation that we refer to as “Rhinebeck Bancorp” throughout this prospectus supplement, is offering shares of common stock for sa

May 19, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 19, 2026 Rhinebeck Bancorp, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 19, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 14, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2026 Rhinebeck Bancorp, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 14, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 14, 2026 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2026 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhineb

May 14, 2026 EX-1.1

RHINEBECK BANCORP, INC. (a Maryland corporation) Up to 8,912,500 Shares of COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May 14, 2026

Exhibit 1.1 Execution Version RHINEBECK BANCORP, INC. (a Maryland corporation) Up to 8,912,500 Shares of COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May 14, 2026 Keefe, Bruyette & Woods, Inc. 787 Seventh Avenue, 4th Floor New York, New York 10019 Ladies and Gentlemen: Rhinebeck Bancorp, Inc., a Maryland corporation (“RBI”), Rhinebeck Bancorp, MHC,

May 11, 2026 S-1/A

As filed with the Securities and Exchange Commission on May 11, 2026

As filed with the Securities and Exchange Commission on May 11, 2026 Registration No.

April 24, 2026 S-1/A

As filed with the Securities and Exchange Commission on April 24, 2026

As filed with the Securities and Exchange Commission on April 24, 2026 Registration No.

April 24, 2026 EX-1.2

RHINEBECK BANCORP, INC. (a Maryland corporation) Up to 8,912,500 Shares of COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May [·], 2026

Exhibit 1.2 RHINEBECK BANCORP, INC. (a Maryland corporation) Up to 8,912,500 Shares of COMMON STOCK (Par Value $0.01 Per Share) Subscription Price $10.00 Per Share AGENCY AGREEMENT May [·], 2026 Keefe, Bruyette & Woods, Inc. 787 Seventh Avenue, 4th Floor New York, New York 10019 Ladies and Gentlemen: Rhinebeck Bancorp, Inc., a Maryland corporation (“RBI”), Rhinebeck Bancorp, MHC, a New York-charte

April 24, 2026 EX-2

AMENDED AND RESTATED PLAN OF CONVERSION AND REORGANIZATION RHINEBECK BANCORP, MHC TABLE OF CONTENTS

Exhibit 2 AMENDED AND RESTATED PLAN OF CONVERSION AND REORGANIZATION OF RHINEBECK BANCORP, MHC TABLE OF CONTENTS 1.

April 24, 2026 EX-99.4

Dear Valued Depositor: I am pleased to tell you about an investment opportunity and, just as importantly, to request your vote. Pursuant to its plan of conversion and reorganization (the “plan of conversion”), Rhinebeck Bancorp, Inc., (“Rhinebeck Ban

Exhibit 99.4 Dear Valued Depositor: I am pleased to tell you about an investment opportunity and, just as importantly, to request your vote. Pursuant to its plan of conversion and reorganization (the “plan of conversion”), Rhinebeck Bancorp, Inc., (“Rhinebeck Bancorp”), a Maryland stock corporation and the holding company for Rhinebeck Bank, is offering shares of common stock for sale in connectio

April 24, 2026 EX-99.7

REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF RHINEBECK BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON , 2026

Exhibit 99.7 REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF RHINEBECK BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON , 2026 The undersigned hereby appoints the Board of Directors of Rhinebeck Bancorp, Inc., with full powers of substitution, to act as attorney and proxy for the undersigned to vote all shares of common stock of Rhinebeck Bancorp, Inc. that the unde

April 24, 2026 EX-99.5

RBKB-SOF See Front of Stock Order Form ¨ (8) ASSOCIATES/ACTING IN CONCERT (continued from front of Stock Order Form) Associate – The term “associate” of a person means: (1) any corporation or organization (other than Rhinebeck Bank, Rhinebeck Bancorp

Exhibit 99.5 RBKB-SOF (over) PLEASE PRINT CLEARLY AND COMPLETE ALL APPLICABLE SHADED AREAS. READ THE ENCLOSED STOCK ORDER FORM INSTRUCTIONS (BLUE SHEET) AS YOU COMPLETE THIS FORM. SUBSCRIPTION (1) NUMBER OF SHARES (2) TOTAL PAYMENT DUE PRICE PER SHARE X $10.00 = $ .00 Minimum Number of Shares: 25 ($250). Maximum Number of Shares: 60,000 ($600,000). See Stock Order Form Instructions for more inform

April 23, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 23, 2026 Rhinebeck Bancorp,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 23, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 23, 2026 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2026 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 23, 2026 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2026 of $2.2 million ($0.20 per basic and diluted share), which w

April 15, 2026 ARS

ARS

Letter from the CEO I am pleased to present Rhinebeck Bancorp, Inc.’s 2025 Annual Report. 2025 was a transformative year for Rhinebeck Bank operationally, financially, and strategically. In October, I had the privilege of stepping into the role of President and Chief Executive Officer . I am deeply grateful to my predecessor Michael Quinn for more than 40 years of dedicated service to Rhinebeck Ba

April 15, 2026 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 13, 2026 EX-99.1

* * * * * * * * * * *

Exhibit 99.1 January 9, 2026 Mr. Matthew J. Smith President and Chief Executive Officer Rhinebeck Bank, wholly-owned subsidiary of Rhinebeck Bancorp, Inc. 2 Jefferson Plaza Poughkeepsie, New York 12601 Dear Mr. Smith: This letter sets forth the agreement between Rhinebeck Bank, Poughkeepsie, New York (the “Bank”), the wholly-owned subsidiary of Rhinebeck Bancorp, Inc., which in turn is the majorit

March 13, 2026 S-1

As filed with the Securities and Exchange Commission on March 13, 2026

As filed with the Securities and Exchange Commission on March 13, 2026 Registration No.

March 13, 2026 EX-99.6

March 13, 2026

Exhibit 99.6 March 13, 2026 Board of Trustees Rhinebeck Bancorp, MHC Boards of Directors Rhinebeck Bancorp, Inc. Rhinebeck Bank 2 Jefferson Plaza Poughkeepsie, New York 12601 Re: Plan of Conversion and Reorganization Rhinebeck Bancorp, MHC Rhinebeck Bancorp, Inc. Rhinebeck Bank Members of the Boards of Trustees and Directors: All capitalized terms not otherwise defined in this letter have the mean

March 13, 2026 EX-99.7

REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF RHINEBECK BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON , 2026

Exhibit 99.7 REVOCABLE PROXY THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF RHINEBECK BANCORP, INC. SPECIAL MEETING OF STOCKHOLDERS TO BE HELD ON , 2026 The undersigned hereby appoints the Board of Directors of Rhinebeck Bancorp, Inc., with full powers of substitution, to act as attorney and proxy for the undersigned to vote all shares of common stock of Rhinebeck Bancorp, Inc. that the unde

March 13, 2026 EX-1.1

Keefe, Bruyette & Woods · 305 Madison Ave, Floor 2 · Morristown, NJ 07960 973.549.4036 · Fax 973.377.1083 · www.kbw.com

Exhibit 1.1 January 28, 2026 Rhinebeck Bancorp, MHC Rhinebeck Bancorp, Inc. Rhinebeck Bank 2 Jefferson Plaza Poughkeepsie, NY 12601 Attention: Mr. Matthew J. Smith President & CEO Re: Services of Conversion Agent and Data Processing Records Management Agent Ladies and Gentlemen: This letter agreement (this “Agreement”) confirms the engagement of Keefe, Bruyette & Woods, Inc. (“KBW”) by Rhinebeck B

March 13, 2026 EX-21

Subsidiaries of the Registrant

Exhibit 21 Subsidiaries of the Registrant NamePercent OwnershipState of Incorporation Rhinebeck Bank100%New York RSB Capital Trust I100%Delaware

March 13, 2026 EX-21

Subsidiaries of the Registrant

Exhibit 21 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Rhinebeck Bank 100% New York RSB Capital Trust I 100% Delaware

March 13, 2026 EX-99.2

March 13, 2026

Exhibit 99.2 March 13, 2026 Boards of Trustees Rhinebeck Bancorp, MHC Boards of Directors Rhinebeck Bancorp, Inc. Rhinebeck Bank 2 Jefferson Plaza Poughkeepsie, New York 12601 Re: Plan of Conversion and Reorganization Rhinebeck Bancorp, MHC Rhinebeck Bancorp, Inc. Rhinebeck Bank Members of the Boards of Trustees and Directors: All capitalized terms not otherwise defined in this letter have the mea

March 13, 2026 EX-4

SHARES OF COMMON STOCK FULLY PAID AND NON-ASSESSABLE PAR VALUE $0.01 PER SHARE

Exhibit 4 No. RHINEBECK BANCORP, INC. INCORPORATED UNDER THE LAWS OF THE STATE OF MARYLAND Shares CUSIP: THE SHARES REPRESENTED BY THIS CERTIFICATE ARE SUBJECT TO RESTRICTIONS, SEE REVERSE SIDE THIS CERTIFIES that is the owner of SHARES OF COMMON STOCK FULLY PAID AND NON-ASSESSABLE PAR VALUE $0.01 PER SHARE The shares evidenced by this certificate are transferable only on the books of Rhinebeck Ba

March 13, 2026 EX-FILING FEES

Security Type

Calculation of Filing Fee Tables S-1 Rhinebeck Bancorp, Inc. Table 1: Newly Registered and Carry Forward Securities ☐Not Applicable Security Type Security Class Title Fee Calculation or Carry Forward Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee Carry Forward Form Type Carry Forward File Number Carry Forward Ini

March 13, 2026 EX-99.3

PRO FORMA VALUATION REPORT SECOND-STEP CONVERSION

Exhibit 99.3 PRO FORMA VALUATION REPORT SECOND-STEP CONVERSION Rhinebeck Bancorp, Inc.│Poughkeepsie, New York PROPOSED HOLDING COMPANY FOR: Rhinebeck Bank│Poughkeepsie, New York Dated as of February 2, 2026 1311-A Dolley Madison Boulevard Suite 2A McLean, Virginia 22101 703.528.1700 rpfinancial.com February 2, 2026 Board of Trustees Rhinebeck Bancorp, MHC Boards of Directors Rhinebeck Bancorp, Inc

March 13, 2026 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

February 10, 2026 EX-99.1

Rhinebeck Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization to Undertake Second Step Conversion

Exhibit 99.1 PRESS RELEASE Contact: Matthew J. Smith President and Chief Executive Officer Rhinebeck Bancorp, Inc. (845) 454-8555 Rhinebeck Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization to Undertake Second Step Conversion Poughkeepsie, New York; February 10, 2026 – Rhinebeck Bancorp, Inc. (Nasdaq Global Market “RBKB”) (the “Company”), the holding company for Rhinebeck B

February 10, 2026 EX-2.1

PLAN OF CONVERSION AND REORGANIZATION RHINEBECK BANCORP, MHC TABLE OF CONTENTS

Exhibit 2.1 PLAN OF CONVERSION AND REORGANIZATION OF RHINEBECK BANCORP, MHC TABLE OF CONTENTS 1. INTRODUCTION 1 2. DEFINITIONS 2 3. PROCEDURES FOR CONVERSION 9 4. APPLICATIONS AND APPROVALS 12 5. SALE OF SUBSCRIPTION SHARES 12 6. PURCHASE PRICE AND NUMBER OF SUBSCRIPTION SHARES 12 7. RETENTION OF CONVERSION PROCEEDS BY THE HOLDING COMPANY 13 8. SUBSCRIPTION RIGHTS OF ELIGIBLE ACCOUNT HOLDERS (FIRS

February 10, 2026 425

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2026 Rhinebeck Banco

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission

February 10, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2026 Rhinebeck Banco

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 10, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission

February 10, 2026 EX-2.1

PLAN OF CONVERSION AND REORGANIZATION RHINEBECK BANCORP, MHC TABLE OF CONTENTS

Exhibit 2.1 PLAN OF CONVERSION AND REORGANIZATION OF RHINEBECK BANCORP, MHC TABLE OF CONTENTS 1. INTRODUCTION 1 2. DEFINITIONS 2 3. PROCEDURES FOR CONVERSION 9 4. APPLICATIONS AND APPROVALS 12 5. SALE OF SUBSCRIPTION SHARES 12 6. PURCHASE PRICE AND NUMBER OF SUBSCRIPTION SHARES 12 7. RETENTION OF CONVERSION PROCEEDS BY THE HOLDING COMPANY 13 8. SUBSCRIPTION RIGHTS OF ELIGIBLE ACCOUNT HOLDERS (FIRS

February 10, 2026 EX-99.1

Rhinebeck Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization to Undertake Second Step Conversion

Exhibit 99.1 PRESS RELEASE Contact: Matthew J. Smith President and Chief Executive Officer Rhinebeck Bancorp, Inc. (845) 454-8555 Rhinebeck Bancorp, Inc. Announces Adoption of Plan of Conversion and Reorganization to Undertake Second Step Conversion Poughkeepsie, New York; February 10, 2026 – Rhinebeck Bancorp, Inc. (Nasdaq Global Market “RBKB”) (the “Company”), the holding company for Rhinebeck B

January 29, 2026 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2026 Rhinebeck Bancor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 29, 2026 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

January 29, 2026 EX-99

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2025

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2025 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 29, 2026 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the fourth quarter of 2025 of $2.3 million, compared to net income of $2.7 million f

December 17, 2025 EX-10.4

NON-QUALIFIED STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN

EXHIBIT 10.4 NON-QUALIFIED STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN This non-qualified stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2025 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein by reference and m

December 17, 2025 S-8

As filed with the Securities and Exchange Commission on December 17, 2025 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT THE SECURITIES ACT OF 1933 Rhinebeck Bancorp, Inc. (Exact Name of Regist

Registration No. 333- As filed with the Securities and Exchange Commission on December 17, 2025 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 83-2117268 (State or Other Jurisdiction of (I.R.S. Employer Identification No.)

December 17, 2025 EX-FILING FEES

Table 1: Newly Registered Securities

Calculation of Filing Fee Tables S-8 Rhinebeck Bancorp, Inc. Table 1: Newly Registered Securities Security Type Security Class Title Fee Calculation Rule Amount Registered Proposed Maximum Offering Price Per Unit Maximum Aggregate Offering Price Fee Rate Amount of Registration Fee 1 Equity Common stock, $0.01 par value per share Other 600,000 $ 12.19 $ 7,314,000.00 0.0001381 $ 1,010.06 Total Offer

December 17, 2025 EX-10.2

RESTRICTED STOCK AWARD AGREEMENT Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN

EXHIBIT 10.2 RESTRICTED STOCK AWARD AGREEMENT Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN This restricted stock award agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2025 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein

December 17, 2025 EX-10.3

INCENTIVE STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN

EXHIBIT 10.3 INCENTIVE STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2025 EQUITY INCENTIVE PLAN This incentive stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2025 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein by reference and made a pa

November 13, 2025 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rh

October 28, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 28, 2025 Rhinebeck Bancor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 28, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

October 28, 2025 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2025

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2025 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 28, 2025 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the third quarter of 2025 of $2.7 million, compared to a net loss of $8.1 million for the th

October 21, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 21, 2025 Rhinebeck Bancor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 21, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

September 16, 2025 EX-99.1

Rhinebeck Bancorp Appoints Matthew J. Smith as President and Chief Executive Officer

EXHIBIT 99.1 FOR IMMEDIATE RELEASE CONTACT: Karen Morgan D’Amelio General Counsel & Chief Risk Officer/Corporate Secretary [email protected] Rhinebeck Bancorp Appoints Matthew J. Smith as President and Chief Executive Officer FOR IMMEDIATE RELEASE Poughkeepsie, New York (September 16, 2025) – Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), the holding company of Rhinebeck Bank, has appointe

September 16, 2025 EX-10.1

EMPLOYMENT AGREEMENT

EXHIBIT 10.1 EMPLOYMENT AGREEMENT Rhinebeck Bancorp, Inc. a Maryland corporation (the “Company”), Rhinebeck Bank, a New York chartered savings bank and wholly owned subsidiary of the Company (the “Bank”) (the Company and the Bank are collectively referred to herein as the “Employer”) and Matthew J. Smith (“Executive”) (collectively, the “Parties”) agree to enter into this EMPLOYMENT AGREEMENT (“Ag

September 16, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 16, 2025 Rhinebeck Banc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 16, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission

August 12, 2025 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhinebe

August 7, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 7, 2025 Rhinebeck Bancorp,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 7, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

July 24, 2025 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2025

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2025 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 24, 2025 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended June 30, 2025 of $2.7 million ($0.25 per basic and diluted share), which was

July 24, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2025 Rhinebeck Bancorp,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 24, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

June 26, 2025 11-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2024 or ◻ Transition Report Pursuant to Section 15(d) of the

May 21, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 13, 2025 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhineb

April 24, 2025 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2025

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2025 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 24, 2025 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2025 of $2.3 million ($0.21 per basic and diluted share), which w

April 24, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 24, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 15, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 15, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 15, 2025 EX-99.1

Chairman of the Board

CONTACT: William C. Irwin Chairman of the Board (845) 790 -1514 FOR IMMEDIATE RELEASE Rhinebeck Bank Appoints Sharon A. McGinnis and Nancy K. Patzwahl to Board of Directors POUGHKEEPSIE, NY — April 15, 2025 — Rhinebeck Bancorp, Inc., along with its wholly-owned subsidiary, Rhinebeck Bank, and its mutual holding company, Rhinebeck Bancorp, MHC, is pleased to announce the appointment of Sharon A. Mc

April 15, 2025 ARS

ARS

Letter from the CEO Michael J. Quinn - President & CEO Rhinebeck Bancorp, Inc. Rhinebeck Bank I am pleased to present Rhinebeck Bancorp, Inc.’s 2024 Annual Report. Our Rhinebeck Bank team entered 2024 with a focus on ensuring our long-term stability and success, while continuing to serve the needs of the individuals, families, and businesses throughout the Hudson Valley and Capital Region. As I lo

April 15, 2025 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 25, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

March 25, 2025 EX-19

Rhinebeck Bancorp, Inc, Insider Trading Policy

Exhibit 19 RHINEBECK BANCORP, INC. POLICY REGARDING INSIDER TRADING Rhinebeck Bancorp, Inc. (the “Company”) is a Maryland corporation, the common stock of which is publicly traded on the Nasdaq Capital Market and registered under the Securities Exchange Act of 1934, as amended. As a public company, the Company files periodic reports and proxy statements with the Securities and Exchange Commission

March 25, 2025 EX-21

Subsidiaries of Registrant

Exhibit 21 Subsidiaries of the Registrant NamePercent OwnershipState of Incorporation Rhinebeck Bank100%New York RSB Capital Trust I100%Delaware

March 21, 2025 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): March 21, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

March 21, 2025 EX-10.1

10.1 Retirement Separation Agreement, dated effective as of March 21, 2025, by and among Rhinebeck Bancorp, Inc., Rhinebeck Bank, and Michael J. Quinn.

Retirement Separation Agreement This Retirement Separation Agreement (the “Agreement”) is entered into, effective as of March 21, 2025 (the “Effective Date”), by and among Rhinebeck Bancorp, Inc.

March 21, 2025 EX-99.1

Rhinebeck Bank President and CEO Michael J. Quinn to Retire After 40

Rhinebeck Bank President and CEO Michael J. Quinn to Retire After 40 Years of Service; Board Initiates Leadership Transition Poughkeepsie, NY – March 21, 2025 – Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), the holding company for Rhinebeck Bank (the “Bank”), today announced that President and Chief Executive Officer Michael J. Quinn will retire following an extraordinary 40-year career with the Bank, i

January 30, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 30, 2025 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

January 30, 2025 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2024

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2024 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 30, 2025 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported a net loss for the fourth quarter of 2024 of $2.7 million, compared to net income of $930,000 for t

December 26, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): December 26, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission

December 26, 2024 EX-99.1

RHINEBECK BANCORP, INC. COMPLETES FURTHER BALANCE SHEET RESTRUCTURING

EX-99.1 2 rbkb-20241226xex99d1.htm EX-99.1 FOR IMMEDIATE RELEASE Contact: Kevin Nihill Chief Financial Officer Rhinebeck Bancorp, Inc. (845) 790-1508 RHINEBECK BANCORP, INC. COMPLETES FURTHER BALANCE SHEET RESTRUCTURING Poughkeepsie, NY, December 26, 2024 – Rhinebeck Bancorp, Inc. (NASDAQ: RBKB) (the "Company"), the parent company of Rhinebeck Bank (the "Bank"), announced the sale of a portion of

November 12, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rh

October 24, 2024 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2024

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended September 30, 2024 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 24, 2024 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported a net loss for the third quarter of 2024 of $8.1 million, compared to net income of $1.2 million for the th

October 24, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 24, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

September 27, 2024 EX-99.1

RHINEBECK BANCORP, INC. COMPLETES BALANCE SHEET RESTRUCTURING

Exhibit 99.1 FOR IMMEDIATE RELEASE Contact: Kevin Nihill Chief Financial Officer Rhinebeck Bancorp, Inc. (845) 790-1508 RHINEBECK BANCORP, INC. COMPLETES BALANCE SHEET RESTRUCTURING Poughkeepsie, NY, September 27, 2024 – Rhinebeck Bancorp, Inc. (NASDAQ: RBKB) (the "Company"), the parent company of Rhinebeck Bank (the "Bank"), announced the sale of a significant portion of its available-for-sale in

September 27, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 27, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction of Incorporation) (Commission

September 20, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 17, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction of Incorporation) (Commission

August 8, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhinebe

July 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 25, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

July 25, 2024 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2024

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2024 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 25, 2024 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended June 30, 2024 of $975,000 ($0.09 per basic and diluted share), which was $456

June 27, 2024 11-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2023 or ◻ Transition Report Pursuant to Section 15(d) of the

June 25, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): June 18, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

June 25, 2024 EX-10.1

Change in Control Agreement between Rhinebeck Bank and Kevin Nihill (Incorporated by reference to Rhinebeck Bancorp, Inc.’s Current Report on Form 8-K, filed with the Securities and Exchange Commission on June 25, 2024)

EXHIBIT 10.1 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this “Agreement”) is made and entered into effective as of July 8, 2024 (the “Effective Date”), by and between Rhinebeck Bank, a New York-chartered savings bank with its principal place of business in Rhinebeck, New York (the “Bank”) and Kevin Nihill (“Executive”). Any reference to the “Company” shall mean Rhinebeck Bancorp

May 21, 2024 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 21, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 9, 2024 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2024 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhineb

April 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 25, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 25, 2024 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2024

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2024 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 25, 2024 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2024 of $1.1 million ($0.10 per basic and diluted share), which w

April 19, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 19, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 18, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A (Rule 14a-101) INFORMATION REQUIRED IN PROXY STATEMENT SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of

April 15, 2024 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 26, 2024 EX-97

Rhinebeck Bancorp, Inc. Clawback Policy

Exhibit 97 RHINEBECK BANCORP, INC. CLAWBACK POLICY The Board of Directors (the “Board”) of Rhinebeck Bancorp, Inc. (the “Company”) believes that it is in the best interests of the Company and its stockholders to adopt this Clawback Policy (this “Policy”), which provides for the recovery of Erroneously Awarded Compensation in the event the Company is required to prepare an Accounting Restatement. T

March 26, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

March 26, 2024 EX-21

Subsidiaries of the Registrant

Exhibit 21 Subsidiaries of the Registrant NamePercent OwnershipState of Incorporation Rhinebeck Bank100%New York RSB Capital Trust I100%Delaware

February 14, 2024 SC 13G/A

RBKB / Rhinebeck Bancorp, Inc. / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 2) RHINEBECK BANCORP, INC (Name of Issuer) Common Stock (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2023 (Date of Event Which Requir

January 31, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

January 25, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 25, 2024 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

January 25, 2024 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2023

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2023 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 25, 2024 /ACCESSWIRE/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended December 31, 2023 of $930,000 ($0.09 per basic and diluted sh

November 9, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rh

October 26, 2023 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2023

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2023 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 26, 2023 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended September 30, 2023 of $1.2 million ($0.12 per basic and

October 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2023 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

August 10, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhinebe

July 27, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): July 27, 2023 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

July 27, 2023 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2023

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2023 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 27, 2023 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended June 30, 2023 of $1.4 million ($0.13 per basic and diluted share

June 23, 2023 11-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2022 or ◻ Transition Report Pursuant to Section 15(d) of the

May 23, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 23, 2023 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission File

May 11, 2023 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhineb

April 27, 2023 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2023

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2023 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 27, 2023 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2023 of $798,000 ($0.07 per basic and diluted share), which was $

April 27, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2023 Rhinebeck Bancorp,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 27, 2023 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission Fil

April 17, 2023 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

April 17, 2023 ARS

ARS

I am pleased to present Rhinebeck Bancorp, Inc.’s 2022 Annual Report. During our first 162 years, we have successfully weathered wars, depressions, recessions, and now , a pandemic. In a year filled with continued economic uncertainty, 2022 was a year in which we gained even greater perspective on the role we play in the communities we serve. Our obvious role is one of a trusted financial partner

March 23, 2023 10-K

Annual Report on Form 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

February 14, 2023 SC 13G/A

RBKB / Rhinebeck Bancorp Inc / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2) Rhinebeck Bancorp, Inc. (Name of Issuer) Common Stock, $0.01 per share (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2022 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursua

February 10, 2023 SC 13G/A

RBKB / Rhinebeck Bancorp Inc / M3 PARTNERS LP Passive Investment

SC 13G/A 1 fp0082186-5sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (Amendment No. 1) Rhinebeck Bancorp, Inc (Name of Issuer) Common Stock (Title of Class of Securities) 762093102 (CUSIP Number) December 31,

January 26, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 26, 2023 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) of Incorporation) (Commission F

January 26, 2023 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2022

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2022 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 26, 2023 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended December 31, 2022 of $808,000 ($0.07 per basic and diluted sh

November 10, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rh

October 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): October 27, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction)

October 27, 2022 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2022

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2022 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 27, 2022 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended September 30, 2022 of $2.1 million ($0.19 per basic and

October 6, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): October 6, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction)

October 6, 2022 EX-99.1

FOR RELEASE:

FOR RELEASE:IMMEDIATELY UPON RECEIPT CONTACT:TIM MASSIE (845) 390-0209 ? Rhinebeck Bank Reaches Settlement with NYS DFS ? ? POUGHKEEPSIE, NY (October 6, 2022) Rhinebeck Bancorp, Inc.

September 26, 2022 SC 13G

RBKB / Rhinebeck Bancorp Inc / M3 PARTNERS LP Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) Rhinebeck Bancorp, Inc (Name of Issuer) Common Stock (Title of Class of Securities) 762093102 (CUSIP Number) September 16, 2022 (Date of Event Which Requires Filing of This

September 26, 2022 EX-99.1

JOINT FILING AGREEMENT

EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Stock of Rhinebeck Bancorp, Inc.

September 15, 2022 EX-99.1

RHINEBECK BANCORP, INC. ANNOUNCES ADOPTION OF REPURCHASE PROGRAM

FOR IMMEDIATE RELEASE ? RHINEBECK BANCORP, INC. ANNOUNCES ADOPTION OF REPURCHASE PROGRAM ? POUGHKEEPSIE, NEW YORK, September 15, 2022 ? Rhinebeck Bancorp, Inc. (the ?Company?) (Nasdaq: RBKB), the holding company for Rhinebeck Bank, announced it has adopted a program to repurchase up to 247,506 shares of its common stock, which is approximately 5% of its outstanding common stock (excluding shares h

September 15, 2022 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): September 15, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdictio

August 11, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents ? ? United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 28, 2022 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2022

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2022 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 28, 2022 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended June 30, 2022 of $2.0 million ($0.19 per basic and $0.18 per dil

July 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): July 28, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction) of

June 29, 2022 11-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

11-K 1 rbkb-20211231x11k.htm 11-K United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2021 or ◻ Transition Repor

May 24, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): May 24, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction) of

May 12, 2022 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents ? ? United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 28, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): April 28, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction) o

April 28, 2022 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2022

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2022 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 28, 2022 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended March 31, 2022 of $2.1 million ($0.19 per basic and diluted share), compare

April 19, 2022 DEF 14A

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 rbkb-20220524xdef14a.htm DEF 14A SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ⌧ Filed by a Party other than the Registrant ◻ Check the appropriate box: ◻ Preliminary Proxy Statement ◻ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ⌧ Definitive Proxy State

March 22, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

January 27, 2022 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2021

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2021 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, January 27, 2022 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended December 31, 2021 of $3.0 million ($0.28 per basic and $0.27

January 27, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): January 27, 2022 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction)

January 26, 2022 SC 13G/A

RBKB / Rhinebeck Bancorp Inc / PRINCIPAL FINANCIAL GROUP INC - 13G/A RHINEBECK BANK AMDT 2 123121 Passive Investment

CUSIP No. 762093102 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 2) * Under the Securities Exchange Act of 1934 Rhinebeck Bank (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the a

November 10, 2021 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents ? ? United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

October 28, 2021 EX-99

Three Months Ended September 30,

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2021 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 28, 2021 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended September 30, 2021 of $2.7 million ($0.25 per basic and

October 28, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): October 28, 2021 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction)

August 12, 2021 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents ? ? United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

July 29, 2021 EX-99.1

Three Months Ended June 30,

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2021 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 29, 2021 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended June 30, 2021 of $2.6 million ($0.24 per basic and $0.23 per dil

July 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): July 29, 2021 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? ? ? ? ? ? ? ? Maryland ? ? 001-38779 ? 83-2117268 (State or Other Jurisdiction) of

June 29, 2021 11-K

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ? FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ? ? Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2020 or ? Transition Report Pursuant to Section 15(d) of

May 26, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ? FORM 8-K ? CURRENT REPORT ? PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 ? Date of Report (Date of earliest event reported): May 26, 2021 ? Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) ? Maryland ? 001-38779 ? 83-2117268 (State or Other Jurisdiction) ? (Commission File

May 13, 2021 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents ? ? United States SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 29, 2021 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2021

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2021 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, April 29, 2021 /PRNewswire/ Rhinebeck Bancorp, Inc. (the ?Company?) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the ?Bank?), reported net income for the three months ended March 31, 2021 of $3.3 million ($0.31 per basic and diluted share), compare

April 29, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 ? FORM 8-K ? CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2021 ? RHINEBECK BANCORP, INC.

April 28, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): April 28, 2021 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emp

April 28, 2021 EX-99.1

Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With New Branch in Middletown

Exhibit 99.1 Corporate Offices 2 Jefferson Plaza Poughkeepsie, NY 12601 845-454-8555 www.rhinebeckbank.com Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With New Branch in Middletown FOR IMMEDIATE RELEASE Middletown, NY (April 28, 2021) ? Rhinebeck Bank, the wholly-owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), has received all required regulatory app

April 21, 2021 DEF 14A

- DEF 14A

? ? SCHEDULE 14A INFORMATION ? Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 25, 2021 10-K

Annual Report - 10-K

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

February 18, 2021 EX-99.1

Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With New Branch in City of Newburgh

Exhibit 99.1 Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With New Branch in City of Newburgh FOR IMMEDIATE RELEASE Newburgh, NY (February 18, 2021) ? Rhinebeck Bancorp, Inc. (NASDAQ: RBKB), the holding company of Rhinebeck Bank, has received all required regulatory approvals to continue its expansion in Orange County with the opening of a new branch at 456 Broad

February 18, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 18, 2021 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction (Commission File No.) (I.R.S. E

February 11, 2021 SC 13G/A

(Name of Issuer)

CUSIP No. 762093102 13G/A Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1) * Under the Securities Exchange Act of 1934 Rhinebeck Bank (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the a

February 4, 2021 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): February 4, 2021 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction (Commission File No.) (I.R.S. Em

February 4, 2021 EX-99.1

Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With Monroe And Warwick Branch Acquisitions

Exhibit 99.1 Rhinebeck Bank Receives Regulatory Approval to Continue Orange County Expansion With Monroe And Warwick Branch Acquisitions FOR IMMEDIATE RELEASE Poughkeepsie, New York (February 4, 2021) – Rhinebeck Bancorp, Inc., (NASDAQ: RBKB), the holding company of Rhinebeck Bank, has received all required regulatory approvals to acquire two Orange County, New York branches from ConnectOne Bank,

February 3, 2021 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2020

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2020 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, February 3, 2021 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended December 31, 2020 of $2.3 million ($0.21 per basic and dilute

February 3, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 3, 2021 RHINEBECK BANCORP, INC.

November 12, 2020 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2020 or ◻ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rh

October 29, 2020 EX-99.1

Three Months Ended September 30,

Rhinebeck Bancorp, Inc. Reports Results for the Three and Nine Months Ended September 30, 2020 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, October 29, 2020 /PRNewswire/ Rhinebeck Bancorp, Inc. (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended September 30, 2020 of $1.2 million ($0.10 per basic and

October 29, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 RHINEBECK BANCORP, INC.

October 26, 2020 EX-99.1

RHINEBECK BANK ANNOUNCES ACQUISITION OF TWO BRANCHES FROM CONNECTONE BANK

FOR IMMEDIATE RELEASE RHINEBECK BANK ANNOUNCES ACQUISITION OF TWO BRANCHES FROM CONNECTONE BANK Poughkeepsie, New York and Englewood Cliffs, New Jersey, October 26, 2020 – Rhinebeck Bancorp, Inc.

October 26, 2020 8-K

Financial Statements and Exhibits, Other Events - RHINEBECK BANCORP, INC. FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 26, 2020 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. E

August 25, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers - RHINEBECK BANCORP, INC. FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): August 25, 2020 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

August 13, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ⌧ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2020 or ◻ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhinebe

July 31, 2020 EX-99.1

Three Months Ended June 30,

Rhinebeck Bancorp, Inc. Reports Results for the Three and Six Months Ended June 30, 2020 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York, July 30, 2020 /PRNewswire/ Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended June 30, 2020 of $1.3 million ($0.13 per basic and diluted shar

July 31, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 30, 2020 RHINEBECK BANCORP, INC.

July 10, 2020 EX-10.4

Form of Non-Qualified Stock Option Award Agreement (Incorporated by reference to the Registration Statement on Form S-8 (File no. 333-239811), filed with the Securities and Exchange Commission on July 10, 2020)

EXHIBIT 10.4 NON-QUALIFIED STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This non-qualified stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein by reference and m

July 10, 2020 EX-10.3

Form of Incentive Stock Option Award Agreement (Incorporated by reference to the Registration Statement on Form S-8 (File no. 333-239811), filed with the Securities and Exchange Commission on July 10, 2020)

EXHIBIT 10.3 INCENTIVE STOCK OPTION Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This incentive stock option agreement (“Option” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein by reference and made a pa

July 10, 2020 EX-10.2

Form of Restricted Stock Award Agreement (Incorporated by reference to the Registration Statement on Form S-8 (File no. 333-239811), filed with the Securities and Exchange Commission on July 10, 2020)

EXHIBIT 10.2 RESTRICTED STOCK AWARD AGREEMENT Granted by RHINEBECK BANCORP, INC. under the RHINEBECK BANCORP, INC. 2020 EQUITY INCENTIVE PLAN This restricted stock award agreement (“Restricted Stock Award” or “Agreement”) is and will be subject in every respect to the provisions of the 2020 Equity Incentive Plan (the “Plan”) of Rhinebeck Bancorp, Inc. (the “Company”) which are incorporated herein

July 10, 2020 S-8

- RHINEBECK BANCORP, INC. FORM S-8 JULY 10, 2020

Registration No. - As filed with the Securities and Exchange Commission on July 10, 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 83-2117268 (State or Other Jurisdiction of Incorporation or Organization) (I.R.S. Empl

June 29, 2020 11-K

- RHINEBECK BANK 401(K) PLAN - FOR THE FISCAL YEAR ENDED DECEMBER 31, 2019

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2019 or □ Transition Report Pursuant to Section 15(d) of the

June 29, 2020 11-K

- RHINEBECK BANK 401(K) PLAN - FOR THE FISCAL YEAR ENDED DECEMBER 31, 2019

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K FOR ANNUAL REPORTS OF EMPLOYEE STOCK PURCHASE, SAVINGS AND SIMILAR PLANS PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 ⌧ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2019 or □ Transition Report Pursuant to Section 15(d) of the

May 27, 2020 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 26, 2020 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

May 14, 2020 10-Q

Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2020 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001‑38779 Rhineb

May 6, 2020 EX-99.1

RHINEBECK BANK RECEIVES SBA AUTHORIZATION TO FUND $84.9 MILLION IN PAYCHECK PROTECTION PROGRAM LOANS FOR HUDSON VALLEY SMALL BUSINESSES AND NON-PROFITS

FOR IMMEDIATE RELEASE CONTACT: Michael J. Quinn, President and Chief Executive Officer TELEPHONE: (845) 790-1501 RHINEBECK BANK RECEIVES SBA AUTHORIZATION TO FUND $84.9 MILLION IN PAYCHECK PROTECTION PROGRAM LOANS FOR HUDSON VALLEY SMALL BUSINESSES AND NON-PROFITS Poughkeepsie, New York, May 6, 2020 – Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (t

May 6, 2020 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 6, 2020 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Employ

May 1, 2020 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2020

Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended March 31, 2020 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York., May 1, 2020 /PRNewswire/ -Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended March 31, 2020 of $1.1 million ($0.10 per basic and diluted common share),

May 1, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 1, 2020 RHINEBECK BANCORP, INC.

April 21, 2020 DEF 14A

Rhinebeck Bancorp, Inc. 2020 Equity Incentive Plan (Incorporated by reference to Appendix A to the Proxy Statement for the 2020 Annual Meeting of Stockholders, filed with the Securities and Exchange Commission on April 21, 2020)

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 26, 2020 EX-4.4

Description of Rhinebeck Bancorp, Inc.’s Securities (Incorporated by reference to Exhibit 4.4 to Rhinebeck Bancorp, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2019, filed with the Securities and Exchange Commission on March 26, 2020)

Exhibit 4.4 Description of Rhinebeck Bancorp, Inc.’s Common Stock General Rhinebeck Bancorp, Inc. is authorized to issue 25,000,000 shares of common stock, par value of $0.01 per share, and 5,000,000 shares of preferred stock, par value $0.01 per share. Each share of common stock has the same relative rights as, and is identical in all respects to, each other share of common stock. When issued, ea

March 26, 2020 10-K

Annual Report on Form 10‑K for the year ended December 31, 2019.

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2019 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

February 14, 2020 SC 13G/A

RBKB / Rhinebeck Bancorp, Inc. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1) Rhinebeck Bancorp, Inc. (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursua

February 11, 2020 SC 13G

RBKB / Rhinebeck Bancorp, Inc. / PRINCIPAL FINANCIAL GROUP INC - 13G RHINEBECK BANK 123119 Passive Investment

CUSIP No. 762093102 13G Page 1 of 5 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Rhinebeck Bank (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 762093102 (CUSIP Number) December 31, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to design

February 7, 2020 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2019

Rhinebeck Bancorp, Inc. Reports Results for the Quarter and Year Ended December 31, 2019 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York., February 7, 2020 /PRNewswire/ - Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended December 31, 2019 of $1.7 million ($0.16 per basic and di

February 7, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 7, 2020 RHINEBECK BANCORP, INC.

November 14, 2019 10-Q

RBKB / Rhinebeck Bancorp, Inc. 10-Q - Quarterly Report - 10-Q

Table of Contents United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2019 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001‑38779 Rh

October 31, 2019 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2019 RHINEBECK BANCORP, INC.

October 31, 2019 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Third Quarter and Nine Months Ended September 30, 2019

Rhinebeck Bancorp, Inc. Reports Results for the Third Quarter and Nine Months Ended September 30, 2019 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York., October 31, 2019 /PRNewswire/ - Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three months ended September 30, 2019 of $2.1 million ($0.20 p

October 10, 2019 8-K

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): October 7, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Em

October 10, 2019 EX-16.1

Letter of Baker Tilly Virchow Krause LLP dated October 10, 2019

Baker Tilly Virchow Krause, LLP One Penn Plaza, Ste 3000 New York, NY 10119 T: +1 (212) 697 6900 F: +1 (212) 490 1412 bakertilly.

September 27, 2019 8-K

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): September 24, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S.

September 27, 2019 EX-3.1

Bylaws of Rhinebeck Bancorp, Inc. (Incorporated by reference to the Current Report on Form 8-K of Rhinebeck Bancorp, Inc. (File no. 333-227266), filed with the Securities and Exchange Commission on September 27, 2019.)

BYLAWS OF Rhinebeck bancorp, inc. ARTICLE I STOCKHOLDERS Section 1.Annual Meeting. Rhinebeck Bancorp, Inc. (the “Corporation”) shall hold an annual meeting of its stockholders to elect directors and to transact any other business within its powers, at such place, on such date and at such time as the Board of Directors shall fix. Failure to hold an annual meeting does not invalidate the Corporation

August 14, 2019 10-Q

RBKB / Rhinebeck Bancorp, Inc. 10-Q - Quarterly Report - FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2019 or ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 001-38779 Rhinebeck Bancorp, Inc. (

July 26, 2019 EX-99.1

Rhinebeck Bancorp, Inc. Reports Results for the Second Quarter and Six Months Ended June 30, 2019

Exhibit 99.1 Rhinebeck Bancorp, Inc. Reports Results for the Second Quarter and Six Months Ended June 30, 2019 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York., July 26, 2019 /PRNewswire/ - Rhinebeck Bancorp, Inc., (the “Company”) (NASDAQ: RBKB), the holding company of Rhinebeck Bank (the “Bank”), reported net income for the three and six months ended June 30, 2019 of $1.2 million

July 26, 2019 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 26, 2019 RHINEBECK BANCORP, INC.

May 28, 2019 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): May 28, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 001-38779 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. Emplo

May 14, 2019 10-Q

RBKB / Rhinebeck Bancorp, Inc. 10-Q Quarterly Report FORM 10-Q

United States SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2019 or ¨ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission File No. 333-227266 Rhinebeck Bancorp, Inc.

April 25, 2019 SC 13G

RBKB / Rhinebeck Bancorp, Inc. / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Rhinebeck Bancorp, Inc. (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 762093102 (CUSIP Number) April 15, 2019 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

April 22, 2019 DEF 14A

RBKB / Rhinebeck Bancorp, Inc. DEFINITIVE PROXY STATEMENT

SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No.

March 29, 2019 EX-21

Subsidiaries of Registrant (Incorporated by reference to Rhinebeck Bancorp, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2018, filed with the Securities and Exchange Commission on March 29, 2019)

Exhibit 21 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Rhinebeck Bank 100 % New York RSB Capital Trust I 100 % Delaware Pleasant View Subdivision, LLC(1) 100 % New York Dutchess Golf Club, LLC(1)(2) 100 % New York New Horizons Asset Management Group, LLC(1)(2) 100 % New York (1) Subsidiary of Rhinebeck Bank (2) Inactive

March 29, 2019 10-K

RBKB / Rhinebeck Bancorp, Inc. FORM 10-K (Annual Report)

TABLE OF CONTENTS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2018 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from      to      Commission File No. 001-38779 R

March 29, 2019 EX-10.12

Employment Agreement between Rhinebeck Bank and Michael J. McDermott (Incorporated by reference to Rhinebeck Bancorp, Inc.’s Annual Report on Form 10-K for the year ended December 31, 2018, filed with the Securities and Exchange Commission on March 29, 2019)

Exhibit 10.12 EMPLOYMENT AGREEMENT RHINEBECK SAVINGS BANK (the “Bank”), and Michael J. McDermott (“Executive”) agree to enter into this EMPLOYMENT AGREEMENT dated as of March 7, 2005 as follows: 1. SUPERCESSION OF PRIOR EMPLOYMENT AGREEMENT. Executive and the Bank previously originally entered into an Employment Agreement dated as of May 1, 2002 (the “Prior Agreement”). The parties have agreed tha

February 13, 2019 S-8

RBKB / Rhinebeck Bancorp, Inc. S-8

Registration No. 333- As filed with the Securities and Exchange Commission on February 13, 2019 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-8 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in its Charter) Maryland 83-2117268 (State or Other Jurisdiction of Incorporation or Organization) (I.R.

February 7, 2019 EX-99.1

Rhinebeck Bancorp, MHC Reports Results for the Quarter and Year Ended December 31, 2018

Exhibit 99.1 Rhinebeck Bancorp, MHC Reports Results for the Quarter and Year Ended December 31, 2018 News provided by Rhinebeck Bancorp, Inc. Poughkeepsie, New York., February 7, 2019 /PRNewswire/ - On January 16, 2019, Rhinebeck Bancorp, Inc., (NASDAQ: RBKB) became the holding company for Rhinebeck Bank (the “Bank”), when it closed its stock offering in connection with the completion of the reorg

February 7, 2019 8-K

Results of Operations and Financial Condition, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 7, 2019 RHINEBECK BANCORP, INC.

January 28, 2019 POS AM

RBKB / Rhinebeck Bancorp, Inc. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-1

POS AM 1 posamendment.htm POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-1 As filed with the Securities and Exchange Commission on January 28, 2019 Registration No. 333-227266 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Rhinebeck Bancorp, Inc. Rhinebeck Bank 401(k) Plan (Exact N

January 23, 2019 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 16, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-227266 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S.

January 23, 2019 EX-4.1

Indenture, dated as of March 30, 2005, by and between Rhinebeck Bancorp, MHC, as Issuer, and Wilmington Trust Company, as Trustee (Incorporated by reference to Rhinebeck Bancorp, Inc.’s Current Report on Form 8-K filed with the Securities and Exchange Commission on January 23, 2019)

Exhibit 4.1 RHINEBECK BANCORP, MHC as Issuer INDENTURE Dated as of March 30, 2005 WILMINGTON TRUST COMPANY as Trustee FLOATING RATE JUNIOR SUBORDINATED DEBT SECURITIES DUE 2035 TABLE OF CONTENTS ARTICLE I DEFINITIONS 1 Section 1.01 Definitions 1 ARTICLE II DEBT SECURITIES 8 Section 2.01 Authentication and Dating 8 Section 2.02 Form of Trustee’s Certificate of Authentication 9 Section 2.03 Form and

January 23, 2019 EX-4.2

First Supplemental Indenture, dated as of January 16, 2019, by and among Wilmington Trust Company, as Trustee, Rhinebeck Bancorp, Inc. and Rhinebeck Bancorp, MHC (Incorporated by reference to Rhinebeck Bancorp, Inc.’s Current Report on Form 8-K filed with the Securities and Exchange Commission on January 23, 2019)

Exhibit 4.2 FIRST SUPPLEMENTAL INDENTURE THIS FIRST SUPPLEMENTAL INDENTURE dated as of January 16, 2019 is by and among Wilmington Trust Company, a Delaware trust company, as Trustee (herein, together with its successors in interest, the “Trustee”), Rhinebeck Bancorp, Inc., a Maryland corporation (the “Successor Company”), and Rhinebeck Bancorp, MHC, a New York-chartered mutual holding company (th

January 16, 2019 CERT

RBKB / Rhinebeck Bancorp, Inc. CERT

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January 16, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 15, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-227266 83-2117268 (State or Other Jurisdiction (Commission File No.) (I.R.S. E

January 16, 2019 EX-99.1

RHINEBECK BANCORP, INC. ANNOUNCES RESULTS OF STOCK OFFERING AND EXPECTED CLOSING DATE

Exhibit 99.1 FOR IMMEDIATE RELEASE CONTACT: Michael J. Quinn, President and Chief Executive Officer TELEPHONE: (845) 790-1501 RHINEBECK BANCORP, INC. ANNOUNCES RESULTS OF STOCK OFFERING AND EXPECTED CLOSING DATE Poughkeepsie, New York, January 15, 2019 – Rhinebeck Bancorp, Inc. (the "Company"), the holding company for Rhinebeck Bank, announced today that the Company has received all regulatory app

January 16, 2019 8-A12B

RBKB / Rhinebeck Bancorp, Inc. FORM 8-A RHINEBECK BANCORP, INC.

8-A12B 1 form8-a011519.htm FORM 8-A RHINEBECK BANCORP, INC. UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-A FOR REGISTRATION OF CERTAIN CLASSES OF SECURITIES PURSUANT TO SECTION 12(b) OR (g) OF THE SECURITIES EXCHANGE ACT OF 1934 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Its Charter) Maryland 83-2117268 (State or other jurisdiction of incorp

January 16, 2019 EX-99.2

RHINEBECK BANCORP, INC. ANNOUNCES CLOSING OF REORGANIZATION AND STOCK OFFERING

Exhibit 99.2 FOR IMMEDIATE RELEASE CONTACT: Michael J. Quinn, President and Chief Executive Officer TELEPHONE: (845) 790-1501 RHINEBECK BANCORP, INC. ANNOUNCES CLOSING OF REORGANIZATION AND STOCK OFFERING Poughkeepsie, New York, January 16, 2019 – Rhinebeck Bancorp, Inc. (the "Company"), the holding company for Rhinebeck Bank, announced today that it had closed its stock offering in connection wit

January 16, 2019 SC 13D

RBKB / Rhinebeck Bancorp, Inc. / Rhinebeck Bancorp, Mhc - SCHEDULE 13D RHINEBECK BANCORP, MHC JANUARY 16, 2019 Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No.) Under the Securities Exchange Act of 1934 Rhinebeck Bancorp, Inc. (Name of Issuer) Common Stock, $0.01 par value per share (Title of Class of Securities) 762093 102 (CUSIP Number) Michael J. Quinn Rhinebeck Bancorp, MHC 2 Jefferson Plaza Poughkeepsie, New York 12601 (845) 454-8555 (Name, Address, T

January 4, 2019 EX-99.1

RHINEBECK BANCORP, INC. ANNOUNCES RESULTS OF DEPOSITOR VOTE AND STOCK OFFERING

EXHIBIT 99.1 FOR IMMEDIATE RELEASE CONTACT: Michael J. Quinn ? President, CEO Telephone: (845) 790-1501 RHINEBECK BANCORP, INC. ANNOUNCES RESULTS OF DEPOSITOR VOTE AND STOCK OFFERING Poughkeepsie, New York, January 4, 2019 ? Rhinebeck Bancorp, Inc. (the ?Company?) announced that the depositors of Rhinebeck Bank (the ?Bank?) approved the plan of reorganization and minority stock issuance pursuant t

January 4, 2019 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 4, 2019 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-227266 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S. E

December 24, 2018 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2018 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. 333-227266 Rhinebeck Bancorp, Inc. (Exact Na

November 21, 2018 424B3

Interests in RHINEBECK BANK 401(k) PLAN Offering of Participation Interests of up to 1,432,383 Shares of RHINEBECK BANCORP, INC. Common Stock

TABLE OF CONTENTS ?Filed pursuant to Rule 424(b)(3)? ?Registration No. 333-227266 ? Prospectus Supplement Interests in RHINEBECK BANK 401(k) PLAN Offering of Participation Interests of up to 1,432,383 Shares of RHINEBECK BANCORP, INC. Common Stock In connection with the reorganization of Rhinebeck Bank, a New York-chartered savings bank and Rhinebeck Bancorp, MHC, a New York-chartered mutual holdi

November 21, 2018 424B3

(Proposed Holding Company for Rhinebeck Bank) Up to 4,162,883 Shares of Common Stock (Subject to increase to up to 4,787,315 Shares)

TABLE OF CONTENTS  Filed Pursuant to Rule 424(b)(3)  Registration No. 333-227266 PROSPECTUS (Proposed Holding Company for Rhinebeck Bank) Up to 4,162,883 Shares of Common Stock (Subject to increase to up to 4,787,315 Shares) Rhinebeck Bancorp, Inc., a Maryland corporation, is offering up to 4,162,883 shares of its common stock for sale at $10.00 per share on a best efforts basis as part of the reo

November 14, 2018 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2018 Rhinebeck Bancor

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): November 9, 2018 Rhinebeck Bancorp, Inc. (Exact Name of Registrant as Specified in Charter) Maryland 333-227266 83-2117268 (State or Other Jurisdiction) (Commission File No.) (I.R.S.

November 14, 2018 EX-1.1

Agency Agreement dated November 9, 2018, by and among the Company, the MHC, the Bank and Sandler O’Neill.

Exhibit 1.1 EXECUTION COPY Up to 4,787,315 Shares RHINEBECK BANCORP, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT November 9, 2018 Sandler O?Neill & Partners, L.P. 1251 Avenue of the Americas, 6th Floor New York, New York 10020 Ladies and Gentlemen: Rhinebeck Bancorp, Inc., a Maryland corporation (the ?Company?), Rhinebeck Bancorp, MHC, a New York-charter

November 7, 2018 CORRESP

Sandler O’Neill + Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, NY 10020 November 7, 2018

Sandler O?Neill + Partners, L.P. 1251 Avenue of the Americas 6th Floor New York, NY 10020 November 7, 2018 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Rhinebeck Bancorp, Inc. Registration Statement on Form S-1 File No. 333-227266 Request for Acceleration of Effective Date Dear Sir or Madam: In accordance with Rule 461 of the Rules and Regulations of t

November 7, 2018 CORRESP

RHINEBECK BANCORP, INC. 2 Jefferson Plaza Poughkeepsie, NY 12601 November 7, 2018

RHINEBECK BANCORP, INC. 2 Jefferson Plaza Poughkeepsie, NY 12601 November 7, 2018 Via Edgar Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Rhinebeck Bancorp, Inc. Registration Statement on Form S-1 (Commission File No. 333-227266) Request for Acceleration of Effective Date Ladies and Gentlemen: Rhinebeck Bancorp, Inc. hereby requests that the effective date of the

November 1, 2018 S-1/A

As filed with the Securities and Exchange Commission on November 1, 2018

As filed with the Securities and Exchange Commission on November 1, 2018 Registration No.

November 1, 2018 EX-99.6

Updated Appraisal Report of RP Financial, LC.

Exhibit 99.6 October 26, 2018 Board of Trustees Rhinebeck Bancorp, MHC Board of Directors Rhinebeck Bancorp, Inc. Rhinebeck Bank 2 Jefferson Plaza Poughkeepsie, New York 07410 Members of the Board of Trustees and Directors: We have completed and hereby provide an updated appraisal of the estimated pro forma market value of the common stock which is to be issued in connection with the stock issuanc

October 23, 2018 EX-99.5

Stock Order and Certification Form

Exhibit 99.5 A properly completed original stock order form must be used to subscribe for common stock. Please read the Stock Ownership Guide Instructions as you complete this form. Rhinebeck Bancorp, Inc. logo Subscription & Community Offering Stock Order Form STOCK ORDER DEADLINE day, December , 2018 at 5:00 p.m. Eastern Time (Received not postmarked) STOCK ORDER DELIVERY By Overnight or Hand De

October 23, 2018 EX-1.2

Form of Agency Agreement between Rhinebeck Bancorp, MHC, Rhinebeck Bancorp, Inc., Rhinebeck Bank and Sandler O’Neill & Partners, L.P.

Exhibit 1.2 Up to 5,077,456 Shares RHINEBECK BANCORP, INC. (a Maryland corporation) Common Stock (par value $0.01 per share) AGENCY AGREEMENT , 2018 Sandler O?Neill & Partners, L.P. 1251 Avenue of the Americas, 6th Floor New York, New York 10020 Ladies and Gentlemen: Rhinebeck Bancorp, Inc., a Maryland corporation (the ?Company?), Rhinebeck Bancorp, MHC, a New York-chartered mutual holding company

October 23, 2018 EX-99.4

Marketing Materials

Exhibit 99.4 Dear Depositor: We are pleased to announce that the Board of Directors of Rhinebeck Bank and the Board of Trustees of Rhinebeck Bancorp, MHC unanimously approved a plan of reorganization and minority stock issuance, whereby Rhinebeck Bancorp, Inc., the proposed holding company for Rhinebeck Bank, is offering shares of its common stock for sale in a minority stock offering. The majorit

October 23, 2018 S-1/A

As filed with the Securities and Exchange Commission on October 23, 2018

As filed with the Securities and Exchange Commission on October 23, 2018 Registration No.

October 23, 2018 CORRESP

LUSE GORMAN, PC Attorneys at Law 5335 Wisconsin Avenue, N.W., Suite 780 Washington, D.C. 20015 Telephone (202) 274-2000 Facsimile (202) 362-2902

LUSE GORMAN, PC Attorneys at Law 5335 Wisconsin Avenue, N.W., Suite 780 Washington, D.C. 20015 Telephone (202) 274-2000 Facsimile (202) 362-2902 www.luselaw.com writer's direct dial number writer?s e-mail (202) 274-2013 [email protected] October 23, 2018 Via EDGAR David Gessert Special Counsel Office of Financial Services United States Securities and Exchange Commission 100 F Street, NE Washingto

October 4, 2018 LETTER

LETTER

October 3, 2018 Michael J. Quinn President and Chief Executive Officer Rhinebeck Bancorp, Inc. 2 Jefferson Plaza Poughkeepsie, NY 12601 Re: Rhinebeck Bancorp, Inc. Registration Statement on Form S-1 Filed September 10, 2018 File No. 333-227266 Dear Mr. Quinn: We have reviewed your registration statement and have the following comments. In some of our comments, we may ask you to provide us with inf

September 10, 2018 EX-99.2

Letter of RP Financial, LC. with respect to value of Subscription Rights*

Exhibit 99.2 RP? FINANCIAL, LC. Advisory | Planning | Valuation September 10, 2018 Board of Trustees Rhinebeck Bancorp, MHC Board of Directors Rhinebeck Bancorp, Inc. Rhinebeck Bank 2 Jefferson Plaza Poughkeepsie, New York 12601 Re: Plan of Reorganization and Minority Stock Issuance Rhinebeck Bancorp, MHC Rhinebeck Bancorp, Inc. Rhinebeck Bank Members of the Board of Directors: All capitalized ter

September 10, 2018 EX-99.1

Appraisal Agreement between Rhinebeck Bank and RP Financial, LC.*

Exhibit 99.1 RP? FINANCIAL, LC. Advisory | Planning | Valuation June 26, 2018 Mr. Michael J. Quinn President and Chief Executive Officer Rhinebeck Bank Two Jefferson Plaza Poughkeepsie, New York 12601 Dear Mr. Quinn: This letter sets forth the agreement between Rhinebeck Bank, Poughkeepsie, New York (the ?Bank?), the wholly-owned subsidiary of Rhinebeck Bancorp, MHC, and RP? Financial, LC. (?RP Fi

September 10, 2018 EX-10.1

Rhinebeck Bank Employee Stock Ownership Plan*

Exhibit 10.1 RHINEBECK BANK EMPLOYEE STOCK OWNERSHIP PLAN (adopted effective January 1, 2019) RHINEBECK BANK EMPLOYEE STOCK OWNERSHIP PLAN This Employee Stock Ownership Plan (the ?Plan?) has been executed on August 28, 2018, by Rhinebeck Bank, which shall become effective as of the 1st day of January, 2019. WITNESSETH THAT WHEREAS, the board of directors of the Bank has resolved to adopt an employ

September 10, 2018 EX-10.8

Rhinebeck Bank Executive Long-Term Incentive and Retention Plan (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018)

Exhibit 10.8 RHINEBECK BANK EXECUTIVE LONG-TERM INCENTIVE AND RETENTION PLAN ARTICLE I Establishment, Purpose and Duration 1.1 Establishment. The Executive Long-Term Incentive and Retention Plan (the ?Plan?) is adopted by Rhinebeck Bank (the ?Bank?), originally effective as of January 1, 2003 and as amended and restated, effective January 1, 2018 (the ?Effective Date?). 1.2 Purpose. The Plan forma

September 10, 2018 EX-10.2

Employment Agreement between Rhinebeck Bank and Michael J. Quinn (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018)

Exhibit 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (the ?Agreement?) is made and entered into, effective as of September 6, 2018 (the ?Effective Date?), by and between Rhinebeck Bank, a New York-chartered savings bank with its principal place of business in Rhinebeck, New York (the ?Bank?) and Michael J. Quinn (?Executive?). Any reference to the ?Company? shall mean any newly-formed the s

September 10, 2018 EX-3.1

Articles of Incorporation of Rhinebeck Bancorp, Inc. (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018.)

Exhibit 3.1 ARTICLES OF INCORPORATION OF Rhinebeck BANCORP, INC. The undersigned, Michael J. Quinn, whose address is Two Jefferson Plaza, Poughkeepsie, New York 12601, being at least eighteen (18) years of age, does hereby form a corporation under the general laws of the State of Maryland having the following Articles of Incorporation (the ?Articles?): ARTICLE 1. Name. The name of the corporation

September 10, 2018 S-1

Power of Attorney (set forth on signature page)*

As filed with the Securities and Exchange Commission on September 10, 2018 Registration No.

September 10, 2018 EX-10.3

Employment Agreement between Rhinebeck Bank and Jamie J. Bloom (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018)

Exhibit 10.3 EMPLOYMENT AGREEMENT This Employment Agreement (the ?Agreement?) is made and entered into, effective as of September 6, 2018 (the ?Effective Date?), by and between Rhinebeck Bank, a New York-chartered savings bank with its principal place of business in Rhinebeck, New York (the ?Bank?) and Jamie Bloom (?Executive?). Any reference to the ?Company? shall mean any newly-formed the stock

September 10, 2018 EX-10.4

Change in Control Agreement between Rhinebeck Bank and James McCardle*

Exhibit 10.4 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (this ?Agreement?) is made and entered into effective as of August 28, 2018 (the ?Effective Date?), by and between Rhinebeck Bank, a New York-chartered savings bank with its principal place of business in Rhinebeck, New York (the ?Bank?) and James McCardle (?Executive?). Any reference to the ?Company? shall mean any newly-fo

September 10, 2018 EX-10.6

Rhinebeck Bank Split Dollar Life Insurance Plan (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018)

Exhibit 10.6 Rhinebeck Savings Bank Split Dollar Insurance Plan Pursuant to due authorization by its Board of Directors, the undersigned, Rhinebeck Savings Bank, a state savings bank located in Poughkeepsie, New York (the "Bank"), did constitute, establish and adopt the following SPLIT DOLLAR INSURANCE PLAN (the "Plan"), effective January 1, 2008. The purpose of this Plan is to attract, retain, an

September 10, 2018 EX-21

Subsidiaries of Rhinebeck Bancorp, Inc.*

Exhibit 21 Subsidiaries of the Registrant Name Percent Ownership State of Incorporation Rhinebeck Bank 100% New York Pleasant View Subdivision, LLC* 100% New York Dutchess Golf Club, LLC* 100% New York New Horizons Asset Management Group, LLC* 100% New York * Subsidiary of Rhinebeck Bank

September 10, 2018 EX-10.7

Rhinebeck Bank Executive Short-Term Incentive and Retention Plan (Incorporated by reference to the Registration Statement on Form S-1 of Rhinebeck Bancorp, Inc. (File no. 333-227266), originally filed with the Securities and Exchange Commission on September 10, 2018)

Exhibit 10.7 RHINEBECK BANK EXECUTIVE SHORT-TERM INCENTIVE AND RETENTION PLAN ARTICLE I Establishment, Purpose and Duration 1.1 Establishment. This Executive Short-Term Incentive and Retention Plan (the ?Plan?) is adopted by Rhinebeck Bank (the ?Bank?), effective as of January 1, 2018 (the ?Effective Date?). 1.2 Purpose. The objectives of the Plan are to optimize the profitability and growth of th

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