Director — Suzanne Rhulen Loughlin: The filing discloses the appointment of a new director to the Board of Directors, which is a routine governance event and not an executive departure.

The filing discloses the termination of a deferred compensation plan, not the departure or appointment of any executive officer.

Results of Operations and Financial Condition . ​ On July 23, 2026, Rhinebeck Bancorp, Inc. issued a press release announcing the 2026 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the S…

Entry Into a Material Definitive Agreement On May 14, 2026, Rhinebeck Bancorp, MHC (the “MHC”), the parent mutual holding company of Rhinebeck Bancorp, Inc. (the “Company”), the Company, and Rhinebeck Bank, the Company’s wholly owned subsidiary, entered into an Agency Agreement with Keefe, Bruyette & Woods, Inc. (“KBW”), which will assist in the marketing of the Company’s common stock during its stock offering. For its services as financial advisor and marketing agent, KBW will receive (i) a…

Results of Operations and Financial Condition . ​ On April 23, 2026, Rhinebeck Bancorp, Inc. issued a press release announcing the 2026 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the S…

Results of Operations and Financial Condition . ​ On January 29, 2026, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section…

Results of Operations and Financial Condition . ​ On October 28, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Sec…

Director — Suzane Loughlin: Suzane Loughlin resigned from the Board of Trustees and Directors, though no disagreements were noted.

President and Chief Executive Officer — Matthew J. Smith: Matthew J. Smith was appointed as President and Chief Executive Officer, succeeding Michael J. Quinn.

Other Events ​ Rhinebeck Bancorp, Inc. (the “Company”), the holding company for Rhinebeck Bank, has adopted a plan to repurchase up to 540,000 shares of its common stock, which equals approximately 5% of its outstanding common stock. ​ Repurchases under the plan are expected to commence after the Company completes its stock repurchase plan adopted in September 2022, under which 47,506 shares remain available for repurchase. Shares may be repurchased in open market or private transactions or p…

Results of Operations and Financial Condition . ​ On July 24, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Secur…

Results of Operations and Financial Condition . ​ On April 24, 2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2025 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Secur…

Director — Sharon McGinnis, Nancy K. Patzwahl: Two new directors were appointed to the Board of Directors and related committees.

Chief Executive Officer, President, Director — Michael J. Quinn: Mr. Michael J. Quinn is retiring after 40 years of service, with an orderly transition plan in place.

Results of Operations and Financial Condition . ​ On January 30,2025, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section…

Results of Operation and Financial Condition . ​ On December 26, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing a recent balance sheet repositioning related to its investment securities portfolio. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “f…

Results of Operations and Financial Condition . ​ On October 24, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 third quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Sec…

Results of Operation and Financial Condition On September 27 , 2024, Rhinebeck Bancorp, Inc., issued a press release regarding a recent balance sheet restructuring related to its investment securities portfolio. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Michael J. Quinn and Jamie J. Bloom: The non-renewal of employment agreements is part of a broader change in corporate philosophy and does not reflect individual performance or anticipated management changes.

Results of Operations and Financial Condition . ​ On July 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 second quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Secur…

Chief Financial Officer and Treasurer — Kevin Nihill: Kevin Nihill was appointed as Chief Financial Officer and Treasurer, succeeding Michael J. McDermott who retired.

Results of Operations and Financial Condition . ​ On April 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2024 first quarter financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section 18 of the Secur…

Chief Financial Officer — Michael J. McDermott: The CFO is retiring, and an interim replacement has been named.

CFO — Michael J. McDermott: The CFO is retiring after almost 23 years of service.

Results of Operations and Financial Condition . ​ On January 25, 2024, Rhinebeck Bancorp, Inc. issued a press release announcing 2023 fourth quarter and year-end financial results. A copy of the press release is attached to this report as Exhibit 99.1 and is incorporated by reference herein. The information contained in this Item 2.02, including the information set forth in the press release and incorporated by reference herein, is being “furnished” and not “filed” for the purposes of Section…