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Regulatory Matters | 3 Months Ended
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Mar. 31, 2023
Regulatory Matters |
Regulatory Matters | 11. Regulatory Matters The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance-sheet items, as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the tables below) of total, common equity Tier 1 and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined) and of Tier I capital (as defined) to average assets (as defined). Management believes, as of March 31, 2023 and December 31, 2022, that the Bank met all capital adequacy requirements to which they are subject. The most recent notification from the Federal Deposit Insurance Corporation (“FDIC”) categorized the Bank as “well capitalized” under the regulatory framework. To be categorized as well capitalized, the Bank must maintain minimum total risk-based, common equity Tier 1, Tier I risk-based and Tier I leverage ratios as set forth in the table below. There are no conditions or events since then, which management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios were: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | To be Well Capitalized under |
​ | ​ | ​ | ​ | ​ | ​ | ​ | For Capital Adequacy | ​ | Prompt Corrective Action |
​ | ​ | Actual | ​ | Purposes | ​ | Provisions |
​ |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio |
​ | ​ | March 31, 2023 |
Rhinebeck Bank | ​ |  |  |  | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total capital (to risk-weighted assets) | ​ | $ | 141,259 |  | 12.16 | % | $ | 92,932 |  | 8.00 | % | $ | 116,165 |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) | ​ |  | 131,914 |  | 11.36 | % |  | 69,699 |  | 6.00 | % |  | 92,932 |  | 8.00 | %
Common equity tier one capital (to risk weighted assets) | ​ |  | 131,914 |  | 11.36 | % |  | 52,274 |  | 4.50 | % |  | 75,508 |  | 6.50 | %
Tier 1 capital (to average assets) | ​ |  | 131,914 |  | 9.68 | % |  | 54,525 |  | 4.00 | % |  | 68,156 |  | 5.00 | %
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | December 31, 2022 |
Rhinebeck Bank | ​ |  |  |  |  | ​ |  |  |  |  | ​ |  |  |  |  | ​
Total capital (to risk-weighted assets) | ​ | $ | 139,257 |  | 12.25 | % | $ | 90,980 |  | 8.00 | % | $ | 113,725 |  | 10.00 | %
Tier 1 capital (to risk-weighted assets) | ​ |  | 131,314 |  | 11.55 | % |  | 68,235 |  | 6.00 | % |  | 90,980 |  | 8.00 | %
Common equity tier one capital (to risk weighted assets) | ​ |  | 131,314 |  | 11.55 | % |  | 51,176 |  | 4.50 | % |  | 73,921 |  | 6.50 | %
Tier 1 capital (to average assets) | ​ |  | 131,314 |  | 9.75 | % |  | 53,868 |  | 4.00 | % |  | 67,335 |  | 5.00 | %
​

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- Definition Regulatory Capital Requirements Under Banking Regulations [Abstract] + References No definition available. + Details
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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1F -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958575-112826 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (c)(2) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1A -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958569-112826 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(2) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (a)(1) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1 -Subparagraph (e) -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958568-112826 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 505 -Section 50 -Paragraph 1D -URI https://asc.fasb.org/extlink&oid=117337116&loc=SL5958573-112826 + Details
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