{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-23-000320","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2023-10-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.994992+00:00","generated_at":"2026-06-09T04:03:25.527906+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Riverview Bancorp Q2 FY2024 EPS $0.12, net income $2.5M, NIM 2.63%","bullets":["Net income $2.5M ($0.12 diluted EPS) vs $5.2M ($0.24) a year ago; net interest income $9.9M vs $13.4M.","Net interest margin (NIM) 2.63% vs 3.30% a year ago, down 67 bps; loan growth 1.1% annualized 4.5%.","Deposits flat at $1.24B QoQ but down from $1.49B a year ago; FHLB borrowings $143.2M.","Credit quality stable: non-performing assets ex-gov't guaranteed $198K (0.01% total assets); ACL 1.51% of loans.","Cash dividend $0.06/share paid Oct 23; total risk-based capital ratio 16.91%, well above well capitalized."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-23-000320","json":"https://secwatch.observer/filing/0000939057-23-000320.json","markdown":"https://secwatch.observer/filing/0000939057-23-000320.md","text":"https://secwatch.observer/filing/0000939057-23-000320.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000320/0000939057-23-000320-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905723000320/riv8k102623.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T04:03:25.527906+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}