Rhinebeck Bancorp, Inc. operates as the holding company for Rhinebeck Bank that provides banking and financial services to consumer and commercial customers in the Hudson Valley region of New York. The company offers deposits; automobile loans; commercial real estate loans, including multi-family real estate loans and commercial construction loans; commercial business loans; and one-to four-family residential real estate loans. It also provides brokerage and financial services; and life insurance and investment products to individuals and businesses. As of December 31, 2018, it operated through 11 retail banking offices and 2 representative offices in Dutchess, Ulster, Orange, and Albany counties, as well as an ATM located in Tivoli, New York. The company was founded in 1860 and is based in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. is a subsidiary of Rhinebeck Bancorp, MHC.