Form 4: Rhinebeck Bancorp Executive Receives Restricted Stock

Chief Credit & Risk Officer James T. McCardle III was granted 8,182 shares of restricted stock in Rhinebeck Bancorp.

Summary

• James T. McCardle III, Chief Credit & Risk Officer of Rhinebeck Bancorp, acquired 8,182 shares of common stock on May 26, 2026.
• The shares were granted as restricted stock with a zero-dollar acquisition price.
• The restricted stock vests at a rate of 33 1/3% per year, beginning on May 26, 2027.
• Following this transaction, the reporting person holds 11,762 shares directly, in addition to 9,858 shares in a 401(k) and 3,705 shares in an ESOP.

Sentiment

Score: 5

Explanation: StockSavvy.ai views this as a neutral administrative filing regarding executive compensation, which is expected and does not signal a change in company strategy or financial health.

Positives

• The grant of restricted stock aligns the interests of the Chief Credit & Risk Officer with those of shareholders through long-term equity ownership.

Negatives

• None identified.

Risks

• The vesting schedule creates a multi-year retention period for the executive, which is standard but ties compensation to future performance and continued employment.

Future Outlook

The filing does not provide forward-looking financial guidance, as it is a disclosure of insider equity transactions.

Industry Context

StockSavvy.ai notes that equity grants to key executives in regional banking are standard practice for retention and alignment of interests, particularly for roles overseeing credit and risk management.

Comparison to Industry Standards

• The use of restricted stock with a multi-year vesting schedule is consistent with standard executive compensation practices in the U.S. regional banking sector.
• The reporting of holdings in 401(k) and ESOP plans alongside direct ownership is typical for long-tenured bank executives.

Stakeholder Impact

• Shareholders may view the equity grant as a positive alignment of executive incentives with long-term company performance.

Next Steps

• Vesting of the first tranche of restricted stock on May 26, 2027.

Key Dates

Keywords

Rhinebeck Bancorp, RBKB, Insider Trading, Form 4, Restricted Stock, Banking