Rhinebeck, NY · Cert 16032 · Rhinebeck Bcorp MHC
SI · FDIC · 15 branches
Q2 2026
Market Position · Kiryas Joel-Poughkeepsie-Newburgh, NY · 2026 SOD (annual) · 6.3% share · #6 of 26 inst. · $1.2B of $19.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.93% | 0.81% | 0.78% | 0.87% | -11 bps | |
| Return on Equity | 9.94% | 9.39% | 8.04% | 7.50% | 8.71% | -123 bps | |
| Net Interest Margin | 3.67% | 3.68% | 3.62% | 3.46% | 3.51% | -16 bps | |
| Efficiency Ratio | 71.28% | 67.30% | 72.25% | 74.45% | 72.01% | +73 bps | |
| Non-Interest Burden | 2.47% | 2.29% | 2.48% | 2.46% | 2.38% | -10 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 | 0.04% | 0.39% | 0.15% | 0.23% | 0.04% | +1 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 | |