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.
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