Rhinebeck Bank
Rhinebeck, NY · Cert 16032 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Rhinebeck Bcorp MHC
SI · FDIC · 15 branches
Q2 2026
$1.5BAssets
$926.2MLoans
$1.3BDeposits
$138.9MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 71% of banks $1B-$10B in assets operating in a single state (rank 74 of 258).
- Widest gap: net charge-offs / loans trails 86% of banks $1B-$10B in assets operating in a single state (rank 222 of 258).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.75%
Rank 220 of 258
Net Interest Margin
3.44%
Rank 136 of 258
Efficiency Ratio
73.25%
Rank 211 of 257
Equity / Assets
9.45%
Rank 174 of 258
Non-interest income vs. expense
Unfavorable gap of $31.8M · efficiency ratio beats 18% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.75% | 0.93% | 1.23% | 1.54% | Beats 15% | 220 / 258 | | |
| Return on Equity | 7.96% | 9.26% | 11.84% | 14.74% | Beats 17% | 213 / 258 | | |
| Net Interest Margin | 3.44% | 3.16% | 3.49% | 3.88% | Beats 47% | 136 / 258 | | |
| Efficiency Ratio | 73.25% | 51.71% | 60.30% | 69.65% | Beats 18% | 211 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.38% | 0.19% | 0.46% | 0.90% | Beats 57% | 111 / 258 | | |
| Net Charge-Offs / Loans | 0.15% | 0.01% | 0.02% | 0.07% | Beats 14% | 222 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.61% | 11.41% | 12.98% | 15.12% | Beats 71% | 74 / 258 | | |
| Total Risk-Based Capital Ratio | 15.41% | 12.10% | 13.91% | 16.08% | Beats 70% | 78 / 258 | | |
| Equity / Assets | 9.45% | 9.09% | 10.24% | 11.72% | Beats 33% | 174 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.09% | 73.24% | 86.34% | 95.95% | 20th pctl | 206 / 258 | | |
| Loans / Assets | 63.01% | 63.01% | 72.27% | 78.40% | 25th pctl | 194 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |