What is Rhinebeck Bank's financial health grade?

Rhinebeck Bank has a TFS Financial Health Grade of C (score: 74.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Rhinebeck Bank have?

Rhinebeck Bank has 16 branch locations across the United States.

Is Rhinebeck Bank FDIC insured?

Yes, Rhinebeck Bank is FDIC insured (Certificate #16032).

What are the total assets of Rhinebeck Bank?

Rhinebeck Bank has total assets of $1.3B as reported in its most recent FDIC filing.

Rhinebeck Bank

BankRhinebeck, New York

www.rhinebeckbank.com

Total Assets

$1.3B

Total Deposits

$1.1B

Branches

Established

1860

TFS Health Grade

74.6 / 100

Average financial health

How we grade

Rhinebeck Bank is a bank headquartered in Rhinebeck, New York, established in 1860. With $1.3B in total assets and 17 branch locations, it has a TFS Financial Health Grade of C (74.6/100).

Capital & Safety

Tier 1 Capital Ratio

10.62%(8%)

Total Capital Ratio

14.40%(10%)

Non-Performing Loan Ratio

0.39%

Profitability

Return on Assets (ROA)

0.89%(1%)

Return on Equity (ROE)

9.01%(10%)

Net Interest Margin

3.95%

Efficiency Ratio

70.60%(60%)

Lending & Liquidity

Total Loans

$961.7M

Loan-to-Deposit Ratio

85.49%

Net Charge-Off Ratio

0.20%

Growth

Asset Growth (YoY)

+3.66%

Deposit Growth (YoY)

+7.29%

Net Income

$11.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Rhinebeck BankHQ	6414 Montgomery St	Rhinebeck	NY	11
Rhinebeck Bank	100 Great Oaks Blvd	Albany	NY	21
Rhinebeck Bank	1022 Main St	Fishkill	NY	11
Rhinebeck Bank	252 Main St	Goshen	NY	11
Rhinebeck Bank	2523 Route 52	Hopewell Junction	NY	11
Rhinebeck Bank	1075 Violet Avenue, Route 9g	Hyde Park	NY	11
Rhinebeck Bank	27 Main St	Kingston	NY	11
Rhinebeck Bank	2134 Route 208	Montgomery	NY	21
Rhinebeck Bank	456 Broadway	Newburgh	NY	11
Rhinebeck Bank	3432 North Road Route 9	Poughkeepsie	NY	11
Rhinebeck Bank	Jefferson Plaza, 2 Jefferson Street	Poughkeepsie	NY	13
Rhinebeck Bank	2 Jefferson Plz	Poughkeepsie	NY	21
Rhinebeck Bank	1898 South Rd	Poughkeepsie	NY	11
Rhinebeck Bank	708 Dutchess Tpke	Poughkeepsie	NY	11
Rhinebeck Bank	7350 S Broadway	Red Hook	NY	11
Rhinebeck Bank	62 Main St	Warwick	NY	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.