{"schema_version":"secwatch.filing_event.v1","accession":"0000939057-26-000026","form_type":"8-K","ticker":"RVSB","cik":"0001041368","company_name":"RIVERVIEW BANCORP INC","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.444566+00:00","generated_at":"2026-05-16T06:15:05.096912+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Riverview Bancorp Q3 FY2026 net income $1.4M ($0.07 EPS); NIM expands to 2.96%","bullets":["Net income $1.4M ($0.07 diluted EPS) vs $1.2M ($0.06) in Q3 FY2025; net interest income up to $10.5M from $9.4M.","Net interest margin expanded 36 bps YoY to 2.96%; loan yields rose to 5.26%.","Loans grew $15.1M to $1.07B; loan pipeline $77.2M; deposit costs fell to 1.39% from 1.41% prior quarter.","Non-interest expense $12.2M (flat QoQ, up from $11.2M YoY); efficiency ratio improved to 86.9% from 87.6% a year ago.","Credit quality: NPAs 0.07% of assets; provision $100k; net charge-offs $246k; classified assets rose to $13.5M."],"urls":{"canonical":"https://secwatch.observer/filing/0000939057-26-000026","json":"https://secwatch.observer/filing/0000939057-26-000026.json","markdown":"https://secwatch.observer/filing/0000939057-26-000026.md","text":"https://secwatch.observer/filing/0000939057-26-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1041368/000093905726000026/0000939057-26-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1041368/000093905726000026/riv8k12726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:15:05.096912+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"}