---
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"
generated_at: "2026-06-16T04:34:52.969551+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Riverview Bancorp Q4 EPS $0.14 vs $0.24 prior quarter; NIM 3.16%, provision $750K

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-23-000124
- JSON: https://secwatch.observer/filing/0000939057-23-000124.json
- Plain text: https://secwatch.observer/filing/0000939057-23-000124.txt

## Key facts
- Earnings Releases
  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.
  - Period: the quarter and year ended March 31, 2023
  - Net income: $3.0 million, or $0.14 per diluted share
  - EPS: $0.14 per diluted share
  - Result: reported results
  source text: On April 27, 2023, Riverview Bancorp, Inc. issued its earnings release for the quarter and year ended March 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/0000939057-23-000124-index.htm
- Earnings Releases
  RIVERVIEW BANCORP INC reported fiscal 2023 results: net income $18.1 million, or $0.83 per diluted share, EPS $0.83 per diluted share.
  - Period: fiscal 2023
  - Net income: $18.1 million, or $0.83 per diluted share
  - EPS: $0.83 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1041368/000093905723000124/0000939057-23-000124-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.