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Rhinebeck Bank

$1B-$10B Specialty: Commercial NY FDIC cert 16032

Designations: ✓ Community bank

Rhinebeck, NY

15 branches across NY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 40 in NY.
  • Deposits +19.3% year over year ($1.3B on the books).
  • Delinquency rate 0.38%.
  • Return on assets 0.82%.
  • Efficiency ratio 73.20% vs a 59.73% peer average.
  • Loan-to-deposit ratio 70.50% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 40 in NY
View $1B-$10B leaderboard (NY) →

Rhinebeck Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 22.8% in tier
  • - NIB Deposit Bleed: Bottom 63.0% in tier
  • - ROA 0.57% below tier average
  • - Net Interest Margin 0.22% below tier average
  • - Efficiency Ratio 13.47% above tier average
Get updates when Rhinebeck Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $1.5B
+15.4% YoY +14.4% QoQ
-$1.3B $2.8B
-0.6% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $918.5M
-4.4% YoY -2.0% QoQ
-$1.0B $2.0B
-0.3% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $1.3B
+19.3% YoY +16.4% QoQ
-$1.0B $2.3B
-0.5% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 0.82%
-9.5% YoY +4.4% QoQ
-0.57% 1.39%
+17.0% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.65%
-6.6% YoY -2.9% QoQ
-0.22% 3.87%
+6.2% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
47%
Efficiency Ratio ? 73.20%
+2.3% YoY -1.7% QoQ
+13.47% 59.73%
-12.6% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.38%
+21.4% YoY -0.2% QoQ
-0.49% 0.87%
+11.7% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 70.50%
-19.9% YoY -15.7% QoQ
-14.54% 85.04%
-0.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
84%
Non-Interest-Bearing Deposit Share ? 18.82%
-14.4% YoY -6.9% QoQ
-2.45% 21.27%
-1.5% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.24%
+0.6% YoY -14.5% QoQ
-0.44% 0.67%
+11.7% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 14.61%
+12.6% YoY +3.3% QoQ
-0.23% 14.84%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.22%
-16.2% YoY +92.1% QoQ
-0.31% 0.53%
+2.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Noninterest-Bearing 18.8%
-3.2pp YoY
-1.4pp QoQ
 -2.6pp 21.4% 22.1% 22.2% 44%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 10.6%
-1.1pp YoY
-0.8pp QoQ
 -3.4pp 14.0% 11.0% 12.5% 47%
CRE 56.1%
+4.4pp YoY
0.0pp QoQ
 +6.1pp 50.0% 46.2% 41.4% 66%
1-4 Family 14.3%
+1.9pp YoY
+1.0pp QoQ
 -12.1pp 26.4% 36.6% 31.3% 28%
Consumer 19.7%
-5.2pp YoY
-0.2pp QoQ
 +15.0pp 4.7% 5.1% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 14.6%
+1.6pp YoY
+0.5pp QoQ
 -1.0pp 15.6% 26.1% 19.7% 66%
Leverage Ratio 10.9%
+0.3pp YoY
0.0pp QoQ
 -0.4pp 11.3% 13.9% 12.6% 58%
Total Capital Ratio 15.4%
+1.6pp YoY
+0.5pp QoQ
 -1.3pp 16.7% 27.2% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 157
-13 (-7.6%) YoY
+1 (+0.6%) QoQ
 -157 313 914 482 25%
Assets per Employee ($) $9.4M
+24.9% YoY
+13.7% QoQ
 -$1.1M $10.5M $14.8M $8.8M 59%
Branch Count 15
-1 (-6.2%) YoY
0 QoQ
 -5 20 27 18 50%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 0.8% 1.3% 1.0% 38%
Allowance Coverage 2.21x
-19.4% YoY
-0.3% QoQ
 -16.50x 18.71x 1.92x 20.23x 52%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 8.1%
-1.2pp YoY
+0.6pp QoQ
 -4.5pp 12.6% 7.9% 11.6% 20%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
-0.1pp QoQ
 -0.2pp 1.9% 1.8% 1.7% 37%
Net Income ($, YTD) $5.5M
-3.0% YoY
— QoQ
 -$13.7M $19.2M $111.2M $40.4M 15%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk
#113 of 492 • Bottom 22.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.38%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

NIB Deposit Bleed

decline
#30 of 46 • Bottom 63.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 18.82%
(Tier: 21.27%, National: 21.98%)
worse than tier avg
46 of 46 Mid-Market banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

144
Loan-to-Deposit Ratio
liquidity
Value: 70.50%
Peer Median: 85.04%
#144 of 885 Top 16.2% in $1B-$10B

Top Weaknesses (2 metrics)

748
Efficiency Ratio
profitability
Value: 73.20%
Peer Median: 59.73%
#748 of 885 Bottom 15.6% in $1B-$10B
717
Return on Assets
profitability
Value: 0.82%
Peer Median: 1.39%
#717 of 885 Bottom 19.1% in $1B-$10B
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