Rhinebeck Bank

Rhinebeck, NY · Cert 16032 · Rhinebeck Bcorp MHC

SI · FDIC · 15 branches

Q2 2026

$1.5BAssets

$926.2MLoans

$1.3BDeposits

$138.9MEquity

Loan mix

Deposit mix

NIM

Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 6.3% share · #6 of 26 inst. · $1.2B of $19.5B

12.5% Dutchess

1.3% Orange

1.5% Ulster

0.0% Albany

Earnings: ROA of 0.82%, down 9 bps year over year; NIM at 3.44%.
Asset quality: problem loans at 0.38% of loans (+7 bps YoY), with net charge-offs at 0.14%.

Return on Assets (YTD, annualized)

0.82%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-15 bps YoY

Efficiency Ratio (YTD, annualized)

73.20%+167 bps YoY

Tier 1 Leverage Ratio

10.93%+29 bps YoY

Year to date, annualized, through each quarter.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	0.90%	0.91%	0.89%	0.78%	0.82%	-9 bps
Return on Equity	9.32%	9.34%	9.01%	7.50%	8.11%	-121 bps
Net Interest Margin	3.60%	3.52%	3.55%	3.46%	3.44%	-15 bps
Efficiency Ratio	71.52%	70.04%	70.60%	74.45%	73.20%	+167 bps
Non-Interest Burden	2.43%	2.31%	2.35%	2.46%	2.39%	-3 bps
Growth
Asset Growth (YoY)	-0.14%	3.94%	3.66%	2.30%	15.37%	+1,551 bps
Loan Growth (YoY)	-2.11%	1.32%	-1.90%	-4.09%	-4.42%	-231 bps
Deposit Growth (YoY)	3.69%	6.57%	7.29%	6.58%	19.31%	+1,562 bps
Asset Quality
Nonperforming Loans / Loans	0.31%	0.39%	0.39%	0.38%	0.38%	+7 bps
Net Charge-Offs / Loans	0.12%	0.21%	0.20%	0.23%	0.14%	+2 bps
Allowance / Loans	0.85%	0.83%	0.87%	0.84%	0.83%	-2 bps
Allowance Coverage of NPLs	2.7x	2.1x	2.2x	2.2x	2.2x	-0.5x
Capital
Tier 1 Leverage Ratio	10.64%	10.46%	10.62%	10.94%	10.93%	+29 bps
Total Risk-Based Capital	13.80%	13.88%	14.40%	14.95%	15.41%	+161 bps
Equity / Assets	9.89%	9.91%	10.28%	10.59%	9.45%	-44 bps
Liquidity & Funding
Loans / Deposits	88.74%	87.37%	86.24%	84.37%	71.09%	-1,765 bps
Liquid Assets / Assets	5.42%	6.77%	6.61%	7.42%	19.23%	+1,381 bps
CRE / Total Capital	n/a	388%	380%	370%	n/a	n/a