<SEC-DOCUMENT>0001437749-25-031498.txt : 20251022
<SEC-HEADER>0001437749-25-031498.hdr.sgml : 20251022
<ACCEPTANCE-DATETIME>20251022130748
ACCESSION NUMBER:		0001437749-25-031498
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20251020
FILED AS OF DATE:		20251022
DATE AS OF CHANGE:		20251022

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Smith Matthew James
		CENTRAL INDEX KEY:			0002046008
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38779
		FILM NUMBER:		251409524

	MAIL ADDRESS:	
		STREET 1:		C/O COLUMBIA FINANCIAL, INC.
		STREET 2:		19-01 ROUTE 208 NORTH
		CITY:			FAIR LAWN
		STATE:			NJ
		ZIP:			07410

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Rhinebeck Bancorp, Inc.
		CENTRAL INDEX KEY:			0001751783
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		ORGANIZATION NAME:           	02 Finance
		EIN:				000000000
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2 JEFFERSON PLAZA
		CITY:			POUGHKEEPSIE
		STATE:			NY
		ZIP:			12601
		BUSINESS PHONE:		845-454-8555

	MAIL ADDRESS:	
		STREET 1:		2 JEFFERSON PLAZA
		CITY:			POUGHKEEPSIE
		STATE:			NY
		ZIP:			12601
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>rdgdoc.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0206</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2025-10-20</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001751783</issuerCik>
        <issuerName>Rhinebeck Bancorp, Inc.</issuerName>
        <issuerTradingSymbol>RBKB</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0002046008</rptOwnerCik>
            <rptOwnerName>Smith Matthew James</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2 JEFFERSON PLAZA</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>POUGHKEEPSIE</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>12601</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <officerTitle>President &amp; CEO</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>0</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <ownerSignature>
        <signatureName>/s/ Scott Brown, pursuant to power of attorney</signatureName>
        <signatureDate>2025-10-22</signatureDate>
    </ownerSignature>
</ownershipDocument>
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<TYPE>EX-24
<SEQUENCE>2
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<TEXT>
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  <div>
    <div style="text-align: center;"><u>POWER OF ATTORNEY</u></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">I, Matthew J. Smith, hereby authorize and designate Kevin Nihill and Karen E. Morgan-D&#8217;Amelio of Rhinebeck Bancorp, Inc. (the
      &#8220;Company&#8221;), and Scott A. Brown, Elizabeth A. Cook, Keeler A. Fina and Kari Ritter of the law firm of Luse Gorman, PC, as my agents and attorneys-in-fact, each with full power of substitution and each with authority to act and sign singly to:</div>
    <div><br>
    </div>
    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4cde7547e26d4a0b8ec7b966cb48829f" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">1.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Take such actions as may be necessary or appropriate to enable
                the undersigned to submit and file forms, schedules and other documents with the U.S. Securities and Exchange Commission (the &#8220;SEC&#8221;) utilizing the SEC&#8217;s Electronic Data Gathering and Retrieval (&#8220;EDGAR&#8221;) system, which actions may include (a)
                enrolling the undersigned in EDGAR Next and (b) preparing, executing and submitting to the SEC a Form ID, amendments thereto, and such other documents and
                  information as may be necessary or appropriate to obtain codes and passwords enabling the undersigned to make filings and submissions utilizing the EDGAR system;</div>
              <div style="text-align: justify;"> <br>
                </div>
            </td>
          </tr>

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    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z26a3b02066cc47d2bd1a2f868178f8c1" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">2.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Prepare and execute any and all forms, schedules and other documents (including any amendments thereto) the undersigned is required to file with
                the SEC, or that the Attorney-in-Fact considers it advisable for the undersigned to file with the SEC, under Section 13 or Section 16 of the Securities Exchange Act of 1934 or any rule or regulation thereunder, or under Rule 144 under the
                Securities Act of 1933 (&#8220;Rule 144&#8221;), including Forms 3, 4 and 5, Schedules 13D and 13G, and Forms 144 (all such forms, schedules and other documents being referred to herein as &#8220;SEC Filings&#8221;);</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z33dda80e17964ec390e5815fdf24fca2" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Submit and file SEC Filings with the SEC utilizing the EDGAR system or cause them to be submitted and filed by a person appointed under <u>Section 5</u> below;</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z91c3bbee3e0e4afa95e5ddd43221087f" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">File, submit or otherwise deliver SEC Filings to any securities exchange on which the Company&#8217;s securities may be listed or traded;</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za626ee7734f34bdfb382493433fa1af1" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Act as an account administrator for the undersigned&#8217;s EDGAR account,
                  including: (i) appoint, remove and replace account administrators, account users, technical administrators and delegated entities; (ii) maintain the security of the undersigned&#8217;s EDGAR account, including modification of access
                codes; (iii) maintain, modify and certify the accuracy of information on the undersigned&#8217;s EDGAR account dashboard; (iv) act as the EDGAR point of contact with respect to the undersigned&#8217;s EDGAR account; and (v) any other actions
                contemplated by Rule 10 of Regulation S-T with respect to account administrators;</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
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              <div style="text-align: left; margin-left: 18pt;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Cause the Company to accept a delegation of authority from any of the undersigned&#8217;s EDGAR account administrators and, pursuant to that
                delegation, authorize the Company&#8217;s EDGAR account administrators to appoint, remove or replace users for the undersigned&#8217;s EDGAR account; and</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd1d47932ec564000ab055ff67c7cd836" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Obtain, as the undersigned's representative and on the undersigned's behalf, information regarding transactions in the Company's equity
                securities from any third party, including the Company and any brokers, dealers, employee benefit plan administrators and trustees, and the undersigned hereby authorizes any such third party to release any such information to the
                Attorney-in-Fact.</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 45.8pt;">The undersigned acknowledges that:</div>
    <div style="text-align: justify; text-indent: 45.8pt;"> <br>
    </div>
    <div>
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          <tr>
            <td style="width: 63.8pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 45.8pt;">a)</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">This Power of Attorney authorizes, but does not require, the Attorney-in-Fact to act in his or her discretion on information provided to such
                Attorney-in-Fact without independent verification of such information;</div>
              <div style="text-align: justify;"> <br>
              </div>
            </td>
          </tr>

      </table>
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    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z168c4e533c15415b949fd0a0bf2301c7" cellpadding="0" cellspacing="0">

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          </td>
          <td style="width: 18pt; vertical-align: top;">b)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Any documents prepared or executed by the Attorney-in-Fact on behalf of the undersigned pursuant to this Power of Attorney will be in such form and will contain such
              information as the Attorney-in-Fact, in his or her discretion, deems necessary or desirable;</div>
            <div> <br>
            </div>
          </td>
        </tr>

    </table>
    <table style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfae54855ba7c4c3db3b45162a1164ebe" cellpadding="0" cellspacing="0">

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          <td style="width: 45.8pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;">c)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Neither the Company nor the Attorney-in-Fact assumes any liability for the undersigned&#8217;s responsibility to comply with the requirements of Section 13 or Section 16 of
              the Exchange Act or Rule 144, any liability of the undersigned for any failure to comply with such requirements, or any liability of the undersigned for disgorgement of profits under Section 16(b) of the Exchange Act; and</div>
            <div> <br>
            </div>
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          <td style="width: 18pt; vertical-align: top;">d)</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This Power of Attorney does not relieve the undersigned from responsibility for compliance with the undersigned's obligations under Section 13 or Section 16 of the
              Exchange Act, including, without limitation, the reporting requirements under Section 13 or Section 16 of the Exchange Act.</div>
            <div> <br>
            </div>
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    </div>
    <div style="text-align: justify; text-indent: 45.8pt;">The undersigned hereby grants to the Attorney-in-Fact full power and authority to do and perform each and every act and thing
      requisite, necessary or advisable to be done in connection with the foregoing, as fully, to all intents and purposes, as the undersigned might or could do in person, hereby ratifying and confirming all that the Attorney-in-Fact, or his or her
      substitute or substitutes, shall lawfully do or cause to be done by authority of this Power of Attorney.</div>
    <div style="text-align: justify; text-indent: 45.8pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 45.8pt;">This Power of Attorney shall remain in full force and effect until the undersigned is no longer required to file Forms 4 or 5 or
      Schedules 13D or 13G or Forms 144 with respect to the undersigned&#8217;s holdings of and transactions in securities of the Company, unless earlier revoked by the undersigned in a signed writing delivered to the Attorney-in-Fact. This Power of Attorney
      revokes all previous powers of attorney with respect to the subject matter of this Power of Attorney.<br>
      <br>
    </div>
    <div style="text-align: justify; text-indent: 45.8pt; margin-bottom: 10.5pt;">IN WITNESS WHEREOF, the undersigned has executed this Power of Attorney as of October 21, 2025.</div>
    <div style="margin-bottom: 10.5pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 252pt;"><u>/s/ Matthew J. Smith</u><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 144pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
    <div style="text-align: justify; margin-bottom: 12pt;"><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 252pt" class="TRGRRTFtoHTMLTab">&#160;</font>Matthew
        J. Smith</div>
    <div style="text-align: justify; font-weight: bold;">NOTARIZATION</div>
    <div><br>
    </div>
    <div>State of New York</div>
    <div><br>
    </div>
    <div>County of Dutchess</div>
    <div style="margin-top: 12pt;">This Power of Attorney was acknowledged before me on&#160; October 21, 2025 by Matthew J. Smith.</div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div style="margin-left: 252pt;"><u>/s/ Karen E. Morgan Damelio</u><font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 180pt" class="TRGRRTFtoHTMLTab">&#160;</font></div>
    <div style="margin-left: 252pt;">Notary Signature</div>
    <div style="margin-left: 252pt; margin-top: 36pt;">[Notary Seal]</div>
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