Rhinebeck Bancorp's Q4 net income improves from loss last year

Reuters

Jan 30

Rhinebeck Bancorp's Q4 net income improves from loss last year

Overview

New York bank's Q4 net income improved from a loss last year
Net interest income for Q4 increased 16.3% yr/yr
Provision for credit losses decreased 63.6% yr/yr

Outlook

Rhinebeck Bancorp did not provide specific financial guidance for 2026 in press release

Result Drivers

NET INTEREST INCOME - Increased due to higher yields and lower costs on interest-bearing liabilities, improving net interest margin
CREDIT LOSSES - Provision for credit losses decreased due to lower loan balances and decreased net charge-offs
DEPOSIT GROWTH - Increase in deposits allowed for reduction in borrowings, strengthening balance sheet

Key Details

Metric	Beat/Miss	Actual	Consensus Estimate
Q4 Net Income		$2.34 mln
Q4 Net Interest Income		$11.83 mln
Q4 Net Interest Margin		3.87%
Q4 Pretax Profit		$2.93 mln
Q4 Provision for Credit Losses		$503,000

Press Release: ID:nACSnPRCKa

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)

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For any other questions or feedback, contact reuters.support@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. 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For any other questions or feedback, contact reuters.support@thomsonreuters.com.</p><p>(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4195","symbol_name":"互助储蓄与抵押信贷金融服务","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20260129:nL1N3YU1KW:1","article_id":"2607130051","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2607130051","pubTimestamp":1769722412,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Rhinebeck Bancorp's Q4 net income improves from loss last yearOverviewNew York bank's Q4 net income improved from a loss last yearNet interest income for Q4 increased 16.3% yr/yrProvision for credit l","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4195":"互助储蓄与抵押信贷金融服务","BK4211":"区域性银行","RBKB":"Rhinebeck Bancorp, Inc."},"translate_title":"莱茵贝克银行第四季度净利润较去年亏损有所改善","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"RBKB":0.9},"content_text":"Rhinebeck Bancorp's Q4 net income improves from loss last yearOverviewNew York bank's Q4 net income improved from a loss last yearNet interest income for Q4 increased 16.3% yr/yrProvision for credit losses decreased 63.6% yr/yrOutlookRhinebeck Bancorp did not provide specific financial guidance for 2026 in press releaseResult DriversNET INTEREST INCOME - Increased due to higher yields and lower costs on interest-bearing liabilities, improving net interest marginCREDIT LOSSES - Provision for credit losses decreased due to lower loan balances and decreased net charge-offsDEPOSIT GROWTH - Increase in deposits allowed for reduction in borrowings, strengthening balance sheetKey DetailsMetricBeat/MissActualConsensus EstimateQ4 Net Income$2.34 mlnQ4 Net Interest Income$11.83 mlnQ4 Net Interest Margin3.87%Q4 Pretax Profit$2.93 mlnQ4 Provision for Credit Losses$503,000Press Release: ID:nACSnPRCKaFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"1","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"}}}