{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-23-000204","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2023-08-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.989127+00:00","generated_at":"2026-06-12T16:40:34.676931+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Riverview Bancorp Q1 EPS $0.13, down 38% YoY; NIM contracts to 2.79%","bullets":["Net income $2.8M ($0.13 diluted EPS) vs $4.7M ($0.21) a year ago and $3.0M ($0.14) prior quarter.","Net interest income $10.4M, down 18% YoY; NIM fell to 2.79% from 3.11% a year ago.","Deposits decreased to $1.24B from $1.27B prior quarter; FHLB advances $136.1M.","Recorded no provision for credit losses; allowance for credit losses 1.53% of total loans.","Efficiency ratio worsened to 73.1% from 61.9% a year ago; dividend maintained at $0.06/share."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-23-000204","json":"https://secwatch.observer/filing/0000939057-23-000204.json","markdown":"https://secwatch.observer/filing/0000939057-23-000204.md","text":"https://secwatch.observer/filing/0000939057-23-000204.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000204/0000939057-23-000204-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000204/riv8k72723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T16:40:34.676931+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":"6e6db5ebb8f770ee80724b87d783cf31591eec80","claim":"RIVERVIEW BANCORP INC reported the first fiscal quarter ended June 30, 2023 results: net income $2.8 million, EPS $0.13 per diluted share.","evidence_excerpt":"Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today reported earnings of $2.8 million, or $0.13 per diluted share, in the first fiscal quarter ended June 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000204/0000939057-23-000204-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first fiscal quarter ended June 30, 2023"},{"label":"Net income","value":"$2.8 million"},{"label":"EPS","value":"$0.13 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"}