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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.53% | -0.59% | 0.83% | 0.90% | 0.91% | 0.89% | 0.78% | 0.82% | -9 bps | |
| Return on Equity | -6.07% | -6.59% | 8.67% | 9.32% | 9.34% | 9.01% | 7.50% | 8.11% | -121 bps | |
| Net Interest Margin | 2.87% | 3.05% | 3.47% | 3.60% | 3.52% | 3.55% | 3.46% | 3.44% | -15 bps | |
| Efficiency Ratio | 79.47% | 79.64% | 71.77% | 71.52% | 70.04% | 70.60% | 74.45% | 73.20% | +167 bps | |
| Non-Interest Burden | 2.18% | 2.33% | 2.34% | 2.43% | 2.31% | 2.35% | 2.46% | 2.39% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.74% | -4.38% | -3.30% | -0.14% | 3.94% | 3.66% | 2.30% | 15.37% | +1,551 bps | |
| Loan Growth (YoY) | -3.88% | -3.60% | -1.64% | -2.11% | 1.32% | -1.90% | -4.09% | -4.42% | -231 bps | |
| Deposit Growth (YoY) | -3.50% | -0.98% | -0.28% | 3.69% | 6.57% | 7.29% | 6.58% | 19.31% | +1,562 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.50% | 0.45% | 0.38% | 0.31% | 0.39% | 0.39% | 0.38% | 0.38% | +7 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.24% | 0.21% | 0.12% | 0.21% | 0.20% | 0.23% | 0.14% | +2 bps | |
| Allowance / Loans | 0.84% | 0.87% | 0.85% | 0.85% | 0.83% | 0.87% | 0.84% | 0.83% | -2 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 2.2x | 2.7x | 2.1x | 2.2x | 2.2x | 2.2x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.04% | 10.07% | 10.17% | 10.64% | 10.46% | 10.62% | 10.94% | 10.93% | +29 bps | |
| Total Risk-Based Capital | 12.81% | 12.63% | 12.91% | 13.80% | 13.88% | 14.40% | 14.95% | 15.41% | +161 bps | |
| Equity / Assets | 9.41% | 9.41% | 9.76% | 9.89% | 9.91% | 10.28% | 10.59% | 9.45% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.90% | 94.31% | 93.76% | 88.74% | 87.37% | 86.24% | 84.37% | 71.09% | -1,765 bps | |
| Liquid Assets / Assets | 1.95% | 1.51% | 2.26% | 5.42% | 6.77% | 6.61% | 7.42% | 19.23% | +1,381 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 388% | 380% | 370% | n/a | n/a | |