Filing Flows › Rhinebeck Bancorp (RBKB) › Q2 2026
Rhinebeck Bancorp (RBKB) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 13, 2026
Rhinebeck Bancorp (RBKB) reported revenue of $13.4M for the second quarter 2026 (Q2 2026), +2% from a year earlier and +6% from the quarter before. Operating margin was 25.3%, net earnings $2.6M (19.6% of revenue).
Rhinebeck Bancorp, Q2 2026: revenue $13.4M (+2% year over year), operating margin 25.3%, net earnings $2.6M, operating cash flow $5.6M. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $13.4M | +6% | +2% |
| Operating profit | $3.4M | +18% | -3% |
| Net earnings | $2.6M | +18% | -4% |
| Operating cash flow | $5.6M | +59% | +130% |
| Free cash flow | $5.4M | +87% | +140% |
What changed
Revenue was $13.4M in Q2 2026, up 2% year over year and up 6% from the previous quarter.
Operating profit was $3.4M, a 25.3% margin (down 1.4 points year over year). Operating profit fell $110K even though revenue rose $281K versus Q2 2025, so costs grew faster than sales. Total costs grew 4% against revenue growth of 2%. Net earnings were $2.6M, down 4% year over year. The effective tax rate was 22.6%.
Operating cash flow was $5.6M (up 130% year over year), 214% of net earnings. Non-cash charges added back $65K of share-based compensation. Working capital and other items added $2.9M. Capital expenditures of $205K left free cash flow of $5.4M.
Questions
What was Rhinebeck Bancorp's revenue in the second quarter 2026?
Rhinebeck Bancorp (RBKB) reported revenue of $13.4M for the second quarter 2026 (Q2 2026), +2% from a year earlier and +6% from the quarter before.
Was Rhinebeck Bancorp profitable in the second quarter 2026?
Operating profit was $3.4M (25.3% of revenue) and net earnings $2.6M.
Source: Rhinebeck Bancorp 10-Q on SEC EDGAR.