{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-24-000196","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2024-07-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.985893+00:00","generated_at":"2026-05-31T14:48:44.395832+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 Q1 EPS $0.05, NIM 2.47%, names Nicole Sherman CEO","bullets":["Net income fell to $966k ($0.05 diluted EPS) from $2.8M ($0.13) a year ago, reflecting higher deposit costs.","Net interest margin improved to 2.47% from 2.32% prior quarter due to loan growth and balance sheet restructuring.","Total loans grew $21.1M to $1.05B; office building portfolio stable at $113.4M with low LTV (54.7%).","Nicole Sherman appointed President & CEO effective July 1, 2024; Dan Cox resumes COO role.","Asset quality remains strong: non-performing assets $461k (0.03% of assets); no provision for credit losses."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-24-000196","json":"https://secwatch.observer/filing/0000939057-24-000196.json","markdown":"https://secwatch.observer/filing/0000939057-24-000196.md","text":"https://secwatch.observer/filing/0000939057-24-000196.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000196/0000939057-24-000196-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905724000196/riv8k72624.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:48:44.395832+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"}