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Rhinebeck Bancorp, Inc. RBKB Retained Earnings Contingency Reserve For Loan Losses

Retained Earnings Contingency Reserve For Loan Losses at other companies

Security National Financial Corporation logo
Security National Financial CorporationSNFCA
$384.18K-45.3%
Bank of America logo
Bank of AmericaBAC
$14.31B-0.4%
Claros Mortgage Trust logo
Claros Mortgage TrustCMTG
$396.43M+67.0%
Huntington Bancshares logo
Huntington BancsharesHBAN
$3.24B+43.3%
State Street logo
State StreetSTT
$168M-4.5%
BK
BKBK
$12M-84.0%

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 rbkb:RetainedEarningsContingencyReserveForLoanLosses.

The official record: Rhinebeck Bancorp, Inc.’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Rhinebeck Bancorp, Inc.'s retained earnings contingency reserve for loan losses?
Rhinebeck Bancorp, Inc. (RBKB) reported retained earnings contingency reserve for loan losses of $1.53M in Q4 2025.
How has Rhinebeck Bancorp, Inc.'s retained earnings contingency reserve for loan losses changed year-over-year?
Rhinebeck Bancorp, Inc.'s retained earnings contingency reserve for loan losses decreased by 0.0% year-over-year, from $1.53M to $1.53M.
What is the long-term trend for Rhinebeck Bancorp, Inc.'s retained earnings contingency reserve for loan losses?
Over 5 years (2020 to 2025), Rhinebeck Bancorp, Inc.'s retained earnings contingency reserve for loan losses has grown at a 0.0% compound annual growth rate (CAGR), from $1.53M to $1.53M.
What does retained earnings contingency reserve for loan losses mean?
This represents a specific portion of retained earnings set aside as a contingency reserve to cover potential future credit losses beyond standard allowances. It serves as an additional capital buffer to absorb unexpected loan defaults or economic downturns. A higher reserve indicates a more conservative approach to credit risk management and capital preservation.