TellerScore

Headquartered in Rhinebeck, New York, Rhinebeck Bank is a si with $1.5B in total assets and $1.3B in deposits as of Q2 2026. It operates 16 offices. Its charter dates back to 1860.

Based on its Q2 2026 filing, Rhinebeck Bank scores 69/100, which we describe as moderate. That is higher than 53% of 897 banks with $1 billion – $10 billion. Among 121 banks headquartered in New York, it ranks 46th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is earnings (53/100; 0.82%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.93%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.38%
Earnings53/100
Return on assets (annualized): 0.82%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 70.5% · 36.5% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).

TellerScore
536169Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202453
Q4 202454
Q1 202565
Q2 202569
Q3 202568
Q4 202568
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%7.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.60%
Q3 202410.04%
Q4 202410.07%
Q1 202510.17%
Q2 202510.64%
Q3 202510.46%
Q4 202510.62%
Q1 202610.94%
Q2 202610.93%
Noncurrent loans
0.31%0.41%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.50%
Q4 20240.45%
Q1 20250.38%
Q2 20250.31%
Q3 20250.39%
Q4 20250.39%
Q1 20260.38%
Q2 20260.38%
Return on assets
-0.59%0.16%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 2024-0.53%
Q4 2024-0.59%
Q1 20250.83%
Q2 20250.90%
Q3 20250.91%
Q4 20250.89%
Q1 20260.78%
Q2 20260.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$1.5B10.93%0.38%0.82%70.5%
Q1 202669$1.3B10.94%0.38%0.78%83.7%
Q4 202568$1.3B10.62%0.39%0.89%85.5%
Q3 202568$1.3B10.46%0.39%0.91%86.6%
Q2 202569$1.3B10.64%0.31%0.90%88.0%
Q1 202565$1.3B10.17%0.38%0.83%93.0%
Q4 202454$1.3B10.07%0.45%-0.59%93.5%
Q3 202453$1.3B10.04%0.50%-0.53%91.1%
Q2 202463$1.3B10.60%0.44%0.41%93.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.93%
59th
Total risk-based capital15.41%
72nd
Problem loans0.38%
62nd
Net charge-offs0.14%
25th
Return on assets0.82%
20th
Net interest margin3.65%
47th
Efficiency ratio73.2%
16th
Loans to deposits70.5%
84th
Uninsured deposits36.5%
36th
Loan-loss reserves0.83%
16th
Texas ratio2.4%
65th

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Pathfinder BankBank Oswego, NY42 out of 100, Below average$1.5B9.6%4.69%vs
Bank of UticaBank Utica, NY92 out of 100, Very strong$1.5B26.5%0.59%vs
Ulster Savings BankBank Kingston, NY53 out of 100, Below average$1.4B9.8%1.54%vs
Ballston Spa National BankBank Ballston Spa, NY55 out of 100, Moderate$1.4B8.7%0.23%vs
Alma BankBank Astoria, NY57 out of 100, Moderate$1.6B10.3%0.84%vs
Grasshopper Bank, N.A.Bank New York, NY64 out of 100, Moderate$1.6B8.2%0.46%vs

Deposit insurance

Is my money safe at Rhinebeck Bank?

Yes. Rhinebeck Bank is an FDIC-insured institution (FDIC certificate #16032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.5% of deposits ($475.4M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.41% (benchmark: 10%).

Check how much of your own balance is covered

16 locations

Branches

Rhinebeck Bank lists 13 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rhinebeck Bank reported 94 home-loan applications under HMDA (LEI 549300G4F3X6FTMZP579): 82 originated ($45,770,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Rhinebeck Bank
Former names
Rhinebeck Savings Bank
Type
SI
FDIC certificate #
16032
RSSD ID
195111
Primary regulator
FDIC
Holding company
Rhinebeck Bcorp Mhc
Established
April 12, 1860
Headquarters
6414 Montgomery St, Rhinebeck, NY 12572
Employees
157

Quick answers

Rhinebeck Bank: common questions

Is Rhinebeck Bank FDIC insured?

Yes. Rhinebeck Bank is an FDIC-insured institution (FDIC certificate #16032). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Rhinebeck Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Rhinebeck Bank ever failed?

There is no failure record for FDIC certificate #16032 in the FDIC failed bank list.

How many branches does Rhinebeck Bank have?

16 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rhinebeck

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of GreeneBank Catskill, NY77 out of 100, Strong$3.2B9.9%0.23%vs
Bank of MillbrookBank Millbrook, NY73 out of 100, Strong$311.7M12.1%1.76%vs
Greene County Commercial BankBank Catskill, NY73 out of 100, Strong$1.3B10.1%0.00%vs
Mid-Hudson Valley Federal Credit UnionCredit union Kingston, NY69 out of 100, Moderate$1.7B9.9%0.36%vs
Wallkill Valley Federal Savings and Loan AssociationBank Wallkill, NY68 out of 100, Moderate$485.0M9.2%0.00%vs
Ulster Federal Credit UnionCredit union Kingston, NY67 out of 100, Moderate$179.0M10.3%0.81%vs