All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2018; the latest 2019-10-10.
From the record
Rhinebeck Bancorp, Inc.'s filings since 2018 show 1 warning event: an auditor change (8-K item 4.01, the latest 2019-10-10) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+2.7% a year over 9 filed years; profitable in 8 of 9.
From the record
Rhinebeck Bancorp, Inc.'s 9 filed years say what it did: revenue went from $2 million in fiscal 2017 to $3 million in fiscal 2025, up 2.7% a year; it rose in 6 of 8 years; the deepest fall was 19% from fiscal 2019 to fiscal 2020; net income was positive in 8 of 9 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.1% a year. 0% of cash flow returned. Insiders: 4 sales, 8 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Rhinebeck Bancorp, Inc.'s diluted share count shrank about 0.1% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 4 sales and 8 purchases of their own stock on the open market in the year to 2026-09-30, buying about $726 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 7%: 7¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Rhinebeck Bancorp, Inc. earned about 7 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 1.9% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 34% of 22 in its family; net margin 336.6%.
From the record
Rhinebeck Bancorp, Inc.'s standing among 22 graded names in its industry family: revenue of $3 million in fiscal 2025 ranks in the bottom 2% by size; a net margin of 336.6% ranks in the top 2%; revenue growth of 1.8% a year over the last 3 filed years ranks in the bottom 2% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 37% of 16 in its family for leadership; chief executive since 2025.
From the record
Rhinebeck Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Smith, Matthew James (President & CEO, as filed), filing under that title since 2025-10-22, 1.1 years (bottom 19% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 7.8 years (top 32%); 12 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 7% of 19 in its family for room to expand.
From the record
Rhinebeck Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $102 million against no long-term debt tagged leaves 7.8% of its assets as net cash, top 12% of its family; cash from operations less capital spending is 365% of revenue (top 2%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 26% of 19 in its family for growth drivers.
From the record
Rhinebeck Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 1.8% a year over the last three filed years against 2.7% over all 9, slowing (bottom 18% of its family); the newest year grew -0.6% (bottom 18%); capital spending grew -9.1% a year (bottom 42%) (its annual reports). Rhinebeck Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 6% of 17 in its family for expectations against reality.
From the record
Rhinebeck Bancorp, Inc.'s newest year against its own record: revenue of $3 million in fiscal 2025 came in 3.5% below the $3 million its prior three years' pace pointed to (top 9% of its family); net income of $10 million against a prior three-year average of $924 thousand (top 6%); a net margin of more than its whole revenue against 37.6% before (top 3%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made