---
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"
generated_at: "2026-05-16T06:15:05.096912+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Riverview Bancorp Q3 FY2026 net income $1.4M ($0.07 EPS); NIM expands to 2.96%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000939057-26-000026
- JSON: https://secwatch.observer/filing/0000939057-26-000026.json
- Plain text: https://secwatch.observer/filing/0000939057-26-000026.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.