RVSB RIVERVIEW BANCORP INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Community-focused bank holding company offering commercial, real estate, and consumer lending plus trust and asset management services primarily in Southwest Washington and Northwest Oregon
• • Strategic emphasis on digital experience, data analytics, and client service to drive profitable growth and deepen local relationships
• • Loan portfolio growth to $1.08B net loans (3.0% YoY), with commercial real estate composing 56.0% of loans and increased nonperforming loans to $7.8M (0.53% assets) due to specific hospitality borrower issue
• • Investment portfolio reclassification: shifted entire held-to-maturity securities to available-for-sale in Q4 2026 as part of balance sheet repositioning
• • Employee base steady at 243 FTEs; new CEO Nicole Sherman appointed July 2024, bringing 30+ years banking leadership and merger experience

Management Discussion & Analysis

• • Revenue: Interest and dividend income $62.0M in 2026, up $3.0M YoY from $59.0M in 2025; net interest income $40.3M, up $4.0M or 11.0% YoY
• • Profitability: Net loss of $4.3M in 2026 vs net income $4.9M in 2025; net interest margin improved to 2.86% from 2.54%; efficiency ratio worsened to 110.63% from 87.47%
• • Segment performance: Commercial and construction loans 88.6% of loans with $19.4M increase in CRE loans; nonperforming loans rose to 0.71% of total loans from 0.01%
• • Capital allocation: Repurchased 514,009 shares for $2.7M; paid $1.7M dividends; capex expected at ~$2.2M in 2027; FHLB advances down $60.3M to $16.1M
• • Outlook and risks: Management expects sufficient liquidity; focused on core deposit growth, loan portfolio expansion; key risks include credit losses and goodwill impairment if adverse conditions occur

Risk Factors

• • Regulatory risk: FDIC, Federal Reserve, OCC scrutiny on commercial real estate concentration at 350% of risk-based capital at 3/31/26
• • Macroeconomic risk: Loan portfolio concentrated in southwest Washington/northwest Oregon, sensitive to tariffs and inflation impacting borrowers’ credit quality
• • Operational risk: Construction and land loans $33.2M (3.0% of portfolio) exposed to cost overruns and liquidations amid volatile real estate market
• • Market disruption risk: Competition pressure from larger banks and industry consolidation could reduce margins and loan/deposit growth
• • Financial risk: High concentration of commercial real estate loans with balloon payments heightens refinancing risk amid elevated interest rates

What are the latest RVSB SEC filings in 2026?

RIVERVIEW BANCORP INC (RVSB) has filed a 10-K annual report on June 12, 2026, a 10-Q quarterly report on February 13, 2026, an 8-K current report on July 29, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did RVSB file its most recent 10-K annual report?

RIVERVIEW BANCORP INC (RVSB) filed its most recent 10-K annual report on June 12, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view RVSB 10-Q quarterly reports?

RIVERVIEW BANCORP INC (RVSB)'s most recent 10-Q quarterly report was filed on February 13, 2026. SignalX displays every RVSB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has RVSB filed recently?

RIVERVIEW BANCORP INC (RVSB)'s most recent 8-K was filed on July 29, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find RVSB insider trading activity (Form 4)?

SignalX aggregates every RVSB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does RVSB file with the SEC?

RIVERVIEW BANCORP INC (RVSB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new RVSB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for RIVERVIEW BANCORP INC (RVSB).

What is RVSB's SEC CIK number?

RIVERVIEW BANCORP INC (RVSB)'s SEC CIK (Central Index Key) number is 1041368. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1041368 to look up all RVSB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find RVSB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from RIVERVIEW BANCORP INC (RVSB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.