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Rhinebeck Bancorp, Inc. RBKB Cash surrender value of life insurance policies

Cash surrender value of life insurance policies at other companies

RBB Bancorp logo
RBB BancorpRBB
$62.4M+2.8%
Magyar Bancorp logo
Magyar BancorpMGYR
$19M-18.5%
Texas Community Bancshares, Inc. logo
Texas Community Bancshares, Inc.TCBS
$135K+3.8%

Other financials

Income statement

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

Balance sheet

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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

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

Valuation

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

Profitability

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Net margin18.7%+12.0pp
FCF margin18%

Returns & leverage

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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:CashSurrenderValueOfLifeInsurance.

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

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Questions, answered.

What is Rhinebeck Bancorp, Inc.'s cash surrender value of life insurance policies?
Rhinebeck Bancorp, Inc. (RBKB) reported cash surrender value of life insurance policies of $31.19M in Q1 2026.
How has Rhinebeck Bancorp, Inc.'s cash surrender value of life insurance policies changed year-over-year?
Rhinebeck Bancorp, Inc.'s cash surrender value of life insurance policies increased by 2.7% year-over-year, from $30.38M to $31.19M.
What is the long-term trend for Rhinebeck Bancorp, Inc.'s cash surrender value of life insurance policies?
Over 5 years (2020 to 2025), Rhinebeck Bancorp, Inc.'s cash surrender value of life insurance policies has grown at a 10.4% compound annual growth rate (CAGR), from $18.88M to $31M.
What does cash surrender value of life insurance policies mean?
The cumulative cash value that the bank is entitled to receive upon the surrender of life insurance policies held on key employees or officers. This asset represents a form of corporate-owned life insurance (COLI) used for tax-advantaged investment and funding of employee benefit obligations. It is a stable, non-interest-earning asset that provides long-term liquidity.