Skip to content

Rhinebeck Bancorp, Inc. RBKB Reserve for ESOP Debt Retirement

Reserve for ESOP Debt Retirement at other companies

Hoyne Bancorp, Inc.
 logo
Hoyne Bancorp, Inc. HYNE
$6.39M
Texas Community Bancshares, Inc. logo
Texas Community Bancshares, Inc.TCBS
$1.85M-7.8%
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

Other financials

Income statement

See full
Revenue$12.7M-1.0%
Net income$2.2M-3.1%
EPS (diluted)$0.20-4.8%

Balance sheet

See full
Cash & equivalents$112.9M+123%
Total debt$11.3M-8.9%
Total equity$138.6M+10.1%
Total assets$1.3B+2.3%

Cash flow

See full
Operating cash flow$3.5M-18.4%
CapEx$637.0K+449%
Free cash flow$2.9M-31.3%

Valuation

See full
Market cap$191.15M+42.5%
Enterprise value$89.57M+57.5%
P/E19.2×
P/S3.6×-0.4×

Profitability

See full
Net margin18.7%+12.0pp
FCF margin18%

Returns & leverage

See full
Return on equity7.5%+5.2pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Rhinebeck Bancorp, Inc. in its filing.

Tagged under the XBRL concept us-gaap:UnearnedESOPShares.

The official record: Rhinebeck Bancorp, Inc.’s 10-Q, filed May 14, 2026, on SEC EDGAR. View the filing →

Ask your AI about Rhinebeck Bancorp, Inc.'s reserve for esop debt retirement.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Rhinebeck Bancorp, Inc.'s reserve for ESOP debt retirement?
Rhinebeck Bancorp, Inc. (RBKB) reported reserve for ESOP debt retirement of $2.78M in Q1 2026.
How has Rhinebeck Bancorp, Inc.'s reserve for ESOP debt retirement changed year-over-year?
Rhinebeck Bancorp, Inc.'s reserve for ESOP debt retirement decreased by 7.3% year-over-year, from $3M to $2.78M.
What is the long-term trend for Rhinebeck Bancorp, Inc.'s reserve for ESOP debt retirement?
Over 5 years (2020 to 2025), Rhinebeck Bancorp, Inc.'s reserve for ESOP debt retirement has grown at a -6.3% compound annual growth rate (CAGR), from $3.93M to $2.84M.
What does reserve for ESOP debt retirement mean?
An equity adjustment account representing the contra-equity balance associated with debt incurred to fund an Employee Stock Ownership Plan. This reserve tracks the obligation to repay debt used to acquire company shares for employee benefit purposes. It is a structural component of the bank's equity base and compensation strategy.