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Rhinebeck Bank
Rhinebeck, NY · FDIC Certificate #16032 · Chartered 04/1
Total assets
$1.47B
Total deposits
$1.30B
Total equity
$138.88M
Net loans
$918.48M
Branches (offices)
15
Net income (YTD)
$5.53M
Rank: #756 of 4,213 U.S. banks by assets · #50 of 115 in New York. Assets changed 15.4% and deposits 19.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.82% |
| Return on equity | 8.11% |
| Net interest margin (YTD) | 3.65% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 36.5% |
| Noncurrent loans (share of loans) | 0.38% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 70.5% |
| Real estate loans (share of loans) | 70.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $646.47M | 70.4% | |
| Commercial & industrial | $97.59M | 10.6% | |
| Consumer / individual | $181.35M | 19.7% | |
| Construction & development | $7.77M | 0.8% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.29B | $1.14B | $4.59M | $106.57M |
| Jun 2023 | $1.34B | $1.10B | $2.69M | $102.86M |
| Jun 2024 | $1.28B | $1.05B | $2.65M | $112.35M |
| Jun 2025 | $1.27B | $1.09B | $5.70M | $125.98M |
| Jun 2026 | $1.47B | $1.30B | $5.53M | $138.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $1.30B | 15 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.30B.
Similar-sized banks
Saco & Biddeford Savings Institution ($1.47B) · Bankers' Bank ($1.47B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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