Rhinebeck Bancorp, Inc. (RBKB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 11.19M | 11.83M | 12.04M | 11.49M | 11.04M | 10.5M | 9.7M | 9.14M | 8.81M | 9.14M | 9.66M | 9.3M | 9.86M | 9.76M | 11.1M | 10.87M | 10.11M | 10.44M | 10.06M | 9.13M |
| NII Growth % | 1.42% | 12.67% | 24.09% | 25.77% | 25.25% | 14.83% | 0.42% | -1.75% | -10.66% | -6.3% | -12.97% | -14.42% | -2.47% | -6.56% | 10.32% | 19.04% | 3.39% | 3.91% | 11.42% | 1.69% |
| Net Interest Margin % | 0.87% | 0.91% | 0.91% | 0.9% | 0.88% | 0.84% | 0.77% | 0.72% | 0.68% | 0.7% | 0.73% | 0.7% | 0.73% | 0.73% | 0.86% | 0.84% | 0.79% | 0.82% | 0.8% | 0.75% |
| Interest Income | 16.61M | 17.72M | 17.76M | 16.75M | 16.64M | 16.31M | 16.04M | 15.78M | 15.55M | 15.58M | 15.53M | 14.94M | 14.6M | 13.33M | 12.55M | 11.74M | 10.97M | 11.35M | 11.06M | 10.24M |
| Interest Expense | 5.42M | 5.89M | 5.72M | 5.26M | 5.6M | 5.81M | 6.34M | 6.64M | 6.74M | 6.44M | 5.88M | 5.64M | 4.74M | 3.57M | 1.46M | 872K | 860K | 909K | 1M | 1.11M |
| Loan Loss Provision | 71K | 503K | 904K | -101K | 353K | 1.38M | 889K | 447K | 83K | 230K | 910K | -452K | 1.01M | 302K | 545K | 346K | 221K | -1.5M | -954K | -1.15M |
| Non-Interest Income | 1.47M | 1.68M | 1.94M | 1.6M | 1.75M | -2.51M | -10.03M | 1.51M | 1.61M | 1.39M | 1.65M | 1.34M | 1.36M | 1.33M | 1.39M | 1.5M | 1.71M | 1.69M | 1.64M | 1.86M |
| Non-Interest Income % | 8.11% | 8.65% | 9.85% | 8.73% | 9.52% | -18.21% | -166.8% | 8.76% | 9.37% | 8.17% | 9.58% | 8.23% | 8.51% | 9.08% | 9.96% | 11.35% | 13.49% | 12.94% | 12.91% | 15.35% |
| Total Revenue | 18.08M | 19.4M | 19.7M | 18.36M | 18.39M | 13.79M | 6.01M | 17.29M | 17.16M | 16.97M | 17.18M | 16.28M | 15.96M | 14.66M | 13.94M | 13.24M | 12.69M | 13.04M | 12.7M | 12.09M |
| Revenue Growth % | -1.7% | 40.63% | 227.66% | 6.17% | 7.17% | -18.71% | -65.01% | 6.22% | 7.51% | 15.79% | 23.22% | 22.93% | 25.83% | 12.41% | 9.8% | 9.5% | -4.45% | -9.86% | -2% | -6.71% |
| Non-Interest Expense | 9.74M | 10.08M | 9.73M | 9.71M | 9.51M | 9.94M | 9.08M | 8.95M | 8.89M | 9.11M | 8.81M | 9.27M | 9.19M | 9.63M | 9.24M | 9.48M | 9.11M | 9.54M | 9.14M | 8.88M |
| Efficiency Ratio | 53.87% | 51.95% | 49.38% | 52.88% | 51.7% | 72.08% | 151.05% | 51.75% | 51.84% | 53.69% | 51.31% | 56.95% | 57.55% | 65.71% | 66.27% | 71.63% | 71.78% | 73.2% | 71.96% | 73.4% |
| Operating Income | 2.85M | 2.93M | 3.34M | 3.49M | 2.93M | -3.34M | -10.3M | 1.26M | 1.44M | 1.19M | 1.58M | 1.82M | 1.02M | 1.16M | 2.7M | 2.54M | 2.5M | 4.08M | 3.51M | 3.26M |
| Operating Margin % | 15.77% | 15.09% | 16.97% | 19% | 15.92% | -24.19% | -171.31% | 7.27% | 8.4% | 7.02% | 9.19% | 11.19% | 6.41% | 7.89% | 19.38% | 19.17% | 19.7% | 31.3% | 27.67% | 26.93% |
| Operating Income Growth % | -2.6% | 187.71% | 132.46% | 177.49% | 102.98% | -380.18% | -752.25% | -30.97% | 40.96% | 3.03% | -41.56% | -28.28% | -59.06% | -71.67% | -23.11% | -22.04% | -39.62% | 38.57% | 143.69% | 90.8% |
| Pretax Income | 2.85M | 2.93M | 3.34M | 3.49M | 2.93M | -3.34M | -10.3M | 1.26M | 1.44M | 1.19M | 1.58M | 1.82M | 1.02M | 1.16M | 2.7M | 2.54M | 2.5M | 4.08M | 3.51M | 3.26M |
| Pretax Margin % | 15.77% | 15.09% | 16.97% | 19% | 15.92% | -24.19% | -171.31% | 7.27% | 8.4% | 7.02% | 9.19% | 11.19% | 6.41% | 7.89% | 19.38% | 19.17% | 19.7% | 31.3% | 27.67% | 26.93% |
| Income Tax | 635K | 591K | 648K | 762K | 639K | -683K | -2.24M | 282K | 321K | 261K | 343K | 390K | 225K | 348K | 595K | 510K | 446K | 1.09M | 829K | 692K |
| Effective Tax Rate % | 22.27% | 20.19% | 19.38% | 21.85% | 21.83% | 20.47% | 21.72% | 22.43% | 22.26% | 21.91% | 21.72% | 21.42% | 21.99% | 30.1% | 22.02% | 20.09% | 17.85% | 26.81% | 23.59% | 21.25% |
| Net Income | 2.22M | 2.34M | 2.69M | 2.73M | 2.29M | -2.65M | -8.06M | 975K | 1.12M | 930K | 1.24M | 1.43M | 798K | 808K | 2.11M | 2.03M | 2.05M | 2.99M | 2.69M | 2.56M |
| Net Margin % | 12.26% | 12.04% | 13.68% | 14.85% | 12.44% | -19.24% | -134.1% | 5.64% | 6.53% | 5.48% | 7.19% | 8.79% | 5% | 5.51% | 15.11% | 15.32% | 16.18% | 22.91% | 21.15% | 21.21% |
| Net Income Growth % | -3.15% | 188.02% | 133.43% | 179.59% | 104.1% | -385.38% | -752.27% | -31.87% | 40.48% | 15.1% | -41.34% | -29.47% | -61.13% | -72.95% | -21.53% | -20.9% | -38.18% | 27.43% | 133.48% | 90.28% |
| Net Income (Continuing) | 2.22M | 2.34M | 2.69M | 2.73M | 2.29M | -2.65M | -8.06M | 975K | 1.12M | 930K | 1.24M | 1.43M | 798K | 808K | 2.11M | 2.03M | 2.05M | 2.99M | 2.69M | 2.56M |
| EPS (Diluted) | 0.20 | 0.21 | 0.25 | 0.25 | 0.21 | -0.25 | -0.75 | 0.09 | 0.10 | 0.09 | 0.11 | 0.13 | 0.07 | 0.07 | 0.19 | 0.18 | 0.19 | 0.27 | 0.25 | 0.23 |
| EPS Growth % | -4.76% | 184% | 133.33% | 177.47% | 110% | -389.02% | -781.82% | -30.69% | 42.86% | 23.57% | -42.11% | -27.78% | -63.16% | -74.07% | -24% | -21.74% | -38.71% | 28.57% | 150% | 76.92% |
| EPS (Basic) | 0.20 | 0.22 | 0.25 | 0.25 | 0.21 | -0.25 | -0.75 | 0.09 | 0.10 | 0.09 | 0.12 | 0.13 | 0.07 | 0.07 | 0.19 | 0.19 | 0.19 | 0.28 | 0.25 | 0.24 |
| Diluted Shares Outstanding | 10.98M | 10.96M | 10.96M | 10.95M | 10.92M | 10.77M | 10.76M | 10.82M | 10.84M | 10.75M | 10.76M | 10.88M | 11.02M | 11.02M | 11M | 10.99M | 11.01M | 11.07M | 10.95M | 10.93M |