{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-24-000029","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2024-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:23.196641+00:00","generated_at":"2026-06-06T12:43:34.180856+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 Q3 fiscal 2024 net income down to $1.5M ($0.07 EPS) from $2.5M prior quarter","bullets":["Net interest income $9.3M vs $9.9M prior qtr and $13.7M year ago; NIM fell to 2.49% from 2.63%.","Net income $1.5M ($0.07 diluted EPS) compared to $2.5M ($0.12) in Q2 and $5.2M ($0.24) year ago.","Total deposits dropped to $1.22B from $1.24B; deposit cost rose to 0.68% from 0.59% sequentially.","Non-performing assets only $186,000 (0.01% of assets); no provision for credit losses recorded.","Efficiency ratio worsened to 85.2% vs 76.1% prior quarter and 59.1% year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-24-000029","json":"https://secwatch.observer/filing/0000939057-24-000029.json","markdown":"https://secwatch.observer/filing/0000939057-24-000029.md","text":"https://secwatch.observer/filing/0000939057-24-000029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000029/0000939057-24-000029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000029/riv8k12524.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T12:43:34.180856+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":"16ff3058b5f0d50630b29c97aec1e82ad7392376","claim":"RIVERVIEW BANCORP INC reported the third fiscal quarter ended December 31, 2023 results: net income $1.5 million, EPS $0.07 per diluted share.","evidence_excerpt":"Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today reported earnings of $1.5 million, or $0.07 per diluted share, in the third fiscal quarter ended December 31, 2023, compared to $2.5 million, or $0.12 per diluted share, in the second fiscal quarter ended September 30, 2023, and $5.2 million, or $0.24 per diluted share, in the third fiscal quarter a year ago.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000029/0000939057-24-000029-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third fiscal quarter ended December 31, 2023"},{"label":"Net income","value":"$1.5 million"},{"label":"EPS","value":"$0.07 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"dd208b892c823eb90645df2c9d649a794d14dc7a","claim":"RIVERVIEW BANCORP INC reported the first nine months of fiscal 2024 results: net income $6.8 million, EPS $0.32 per diluted share.","evidence_excerpt":"In the first nine months of fiscal 2024, net income was $6.8 million, or $0.32 per diluted share, compared to $15.1 million, or $0.69 per diluted share, in the first nine months of fiscal 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000029/0000939057-24-000029-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first nine months of fiscal 2024"},{"label":"Net income","value":"$6.8 million"},{"label":"EPS","value":"$0.32 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"}