{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-23-000124","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2023-05-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.731781+00:00","generated_at":"2026-06-16T04:34:52.969551+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Riverview Bancorp Q4 EPS $0.14 vs $0.24 prior quarter; NIM 3.16%, provision $750K","bullets":["Net income $3.0M ($0.14 diluted EPS) vs $5.2M ($0.24) in Q3 and $4.1M ($0.19) a year ago.","Net interest margin 3.16% vs 3.48% prior quarter; net interest income $11.8M, down from $13.7M.","Recorded $750K provision for loan losses vs no provision prior quarter; non-performing loans remain low at $265K.","Deposits fell to $1.27B from $1.37B; uninsured deposit ratio 18.0%; strong liquidity $249M available.","Loan pipeline doubled to $54.5M from $27.3M; tangible book value per share $6.02."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-23-000124","json":"https://secwatch.observer/filing/0000939057-23-000124.json","markdown":"https://secwatch.observer/filing/0000939057-23-000124.md","text":"https://secwatch.observer/filing/0000939057-23-000124.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/0000939057-23-000124-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/riv8k42723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T04:34:52.969551+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ad699966c5cb2c6e90daa5d8959207ee08524d18","claim":"RIVERVIEW BANCORP INC reported the quarter and year ended March 31, 2023 results: net income $3.0 million, or $0.14 per diluted share, EPS $0.14 per diluted share.","evidence_excerpt":"On April 27, 2023, Riverview Bancorp, Inc. issued its earnings release for the quarter and year ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/0000939057-23-000124-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended March 31, 2023"},{"label":"Net income","value":"$3.0 million, or $0.14 per diluted share"},{"label":"EPS","value":"$0.14 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"c071887e9ff4695eb32763b6adbbebaec4217634","claim":"RIVERVIEW BANCORP INC reported fiscal 2023 results: net income $18.1 million, or $0.83 per diluted share, EPS $0.83 per diluted share.","evidence_excerpt":"For fiscal 2023, net income was $18.1 million, or $0.83 per diluted share, compared to $21.8 million, or $0.98 per diluted share, in fiscal 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/0000939057-23-000124-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal 2023"},{"label":"Net income","value":"$18.1 million, or $0.83 per diluted share"},{"label":"EPS","value":"$0.83 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}