Riverview Bancorp (RVSB) investor relations material

Executive summary

• Net income reached $1.7 million ($0.08 per diluted share) in Q1 2027, the highest in 11 quarters, compared to a net loss of $8.0 million in Q4 2026 and net income of $1.2 million in Q1 2026.

• Strategic balance sheet optimization, including reclassification and sale of securities, contributed to improved profitability and net interest margin.

• The franchise benefits from a strong local market in Vancouver, WA, and complementary growth in Northwest Oregon.

Financial highlights

• Net interest income rose to $11.4 million, up from $10.2 million in Q4 2026 and $9.8 million in Q1 2026.

• Net interest margin improved to 3.34%, up from 2.92% in Q4 2026 and 2.78% in Q1 2026.

• Non-interest income was $3.6 million, compared to a loss of $8.0 million in Q4 2026 and $3.4 million in Q1 2026.

• Non-interest expense increased to $12.9 million, reflecting investments in technology and talent.

• Tangible book value per share was $5.86 at June 30, 2026, down from $6.43 a year earlier.

Outlook and guidance

• Management remains confident in sustainable value creation through disciplined financial management and strategic performance.

• Loan repricing and maturities for FY2027 total $87.9 million at a weighted average rate of 4.68%.

• Continued focus on community lending, deposit growth, and prudent risk oversight.