Bank · FDIC insured
Rhinebeck Bank
Top CarrotA $1.5B bank headquartered in Rhinebeck, NY, with 12 branches in New York. Best rates: CDs 4.40% and savings 0.50% APY.
Rhinebeck Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#4 of 20 in Kiryas Joel, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Rhinebeck Bank
Rhinebeck Bank is a community bank that supports over 200 local organizations focused on education, housing, economic development, the arts, and family services.
- Headquarters
- 6414 Montgomery St, Rhinebeck, NY 12572
- FDIC certificate
- 16032 ↗
Branches
12 branches in New York
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New York
12 branches
Kiryas Joel area · 11
- Rhinebeck BankMain office6414 Montgomery St, Rhinebeck, NY 12572Directions
- Fishkill Branch1022 Main St, Fishkill, NY 12524Directions
- Goshen Branch252 Main St, Goshen, NY 10924Directions
- East Fishkill Branch2523 Route 52, Hopewell Junction, NY 12533Directions
- Hyde Park Branch1075 Violet Avenue, Route 9g, Hyde Park, NY 12538Directions
- Newburgh Branch456 Broadway, Newburgh, NY 12550Directions
- Arlington Branch708 Dutchess Tpke, Poughkeepsie, NY 12603Directions
- Mid-Hudson Center Branch3432 North Road Route 9, Poughkeepsie, NY 12601Directions
- South Road Branch1898 South Rd, Poughkeepsie, NY 12601Directions
- Red Hook Branch7350 S Broadway, Red Hook, NY 12571Directions
- Warwick Branch62 Main St, Warwick, NY 10990Directions
Kingston area · 1
- Kingston Branch27 Main St, Kingston, NY 12401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.93% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.38% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.82% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $71 | $88 | — |
- CapitalLeverage ratio10.93%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.38%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.82%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$71Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Rhinebeck Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.