RBKB earnings analysis
What we found in RBKB's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
The provided 10-Q extract is limited to controls, legal proceedings, risk factors, repurchase activity, and exhibits; it does not provide the income statement, balance sheet, cash flow statement, segment data, or MD&A needed to assess quarterly operating trends. Controls were deemed effective, and no material legal proceedings or material risk-factor changes were disclosed. Share repurchases totaled 98,938 shares at an average $16.09, but repurchases are prohibited for one year after the July 21, 2026 second-step conversion.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Disclosure controls remain effective
- Management concluded that disclosure controls and procedures were effective as of June 30, 2026.
- Quarterly share repurchases continued
- The company repurchased 98,938 shares during the quarter at an average price of $16.09 per share.
- Repurchase authorization remains available
- A total of 463,457 shares remained available under the July 2025 repurchase plan as of June 30, 2026.
- No material legal proceedings disclosed
- No material legal proceedings were pending as of the filing date; the company stated that no pending matters were expected to materially affect financial condition, results of operations, or cash flows.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Post-conversion repurchase restriction
- The company is not permitted to repurchase shares for one year following completion of its second-step conversion on July 21, 2026, limiting use of the remaining 463,457-share authorization during that period.
- Prior repurchase plan exhausted
- The company had no shares remaining available under the September 2022 repurchase plan as of June 30, 2026, reducing flexibility under that authorization.
- No updated risk-factor detail
- The filing incorporates risk factors from the May 22, 2026 prospectus and states that there have been no material changes; however, it cautions that additional risks may adversely affect results.
What they said about what is next.
The provided filing extract does not include MD&A, financial statements, or quantitative outlook guidance. No numeric guidance can be determined.
The filing reads about the same as the one before it.
What came before.
- 10-Q · May 14, 2026
- Rhinebeck Bancorp's Q1 2026 results reflect a modest performance with revenue reaching $12.66 million, an increase from the previous quarter, while diluted EPS stood at $0.20, representing a slight decline from the same…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
Read the next one first.
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