Rhinebeck Bank (FDIC #16032): Bank Stress & Real-Estate Credit Exposure

Rhinebeck Bank (FDIC Cert #16032): bank stress 76/100, severe, STABLE over 7 days; parent RHINEBECK BCORP MHC.

Rhinebeck Bank (#16032) lends in 4 counties across 1 state; Rhinebeck Bank (#16032) reaches 194 ZIP codes: New York 4 counties, 194 ZIPs.

Rhinebeck Bank (#16032) largest markets: Ulster County, NY (63 branches, 63 ZIPs) (#16032), Orange County, NY (156 branches, 52 ZIPs) (#16032), Albany County, NY (47 branches, 47 ZIPs) (#16032), Dutchess County, NY (350 branches, 35 ZIPs) (#16032).

Rhinebeck Bank (#16032) reports $1.47 billion in total assets; Rhinebeck Bank (#16032) equity $138.9 million (9.4% of Rhinebeck Bank (#16032) assets); Rhinebeck Bank (#16032) domestic deposits $1.30 billion; Rhinebeck Bank (#16032) net income $5.5 million; Rhinebeck Bank (#16032) return on assets 0.82%; Rhinebeck Bank (#16032) return on equity 8.11%; Rhinebeck Bank (#16032) net interest income $22.9 million; Rhinebeck Bank (#16032) call report June 30, 2026.

Rhinebeck Bank (#16032) noncurrent real-estate loans: none reported; Rhinebeck Bank (#16032) net charge-offs on real estate 0.46%; Rhinebeck Bank (#16032) residential charge-offs 0.29%.

Rhinebeck Bank (#16032) net interest margin 3.65% against an eight-quarter Rhinebeck Bank (#16032) average of 3.68% (Rhinebeck Bank (#16032) compression 0.03 points); Rhinebeck Bank (#16032) non-residential real estate 28.7% of equity; Rhinebeck Bank (#16032) rate-exposure score 40/100, Rhinebeck Bank (#16032) fixed-rate trap 40/100; Rhinebeck Bank (#16032) risk type credit driven; Rhinebeck Bank (#16032) rate regime rates elevated, Rhinebeck Bank (#16032) snapshot October 19, 2026.

Rhinebeck Bank (#16032) stress score moved from 71.1 on June 22, 2026 to 76.1 on October 19, 2026; Rhinebeck Bank (#16032) ranged 71.1 to 76.1 over 116 snapshots.

Rhinebeck Bank (#16032) alerts: 4 counties; top Rhinebeck Bank (#16032) alert scores: Albany County, NY 46 (moderate); Kingston County, NY 26 (low); Rhinebeck County, NY 26 (low); Warwick County, NY 26 (low).