Riverview Bancorp (RVSB) investor relations material

Opening remarks and agenda

• The meeting was called to order by the chairman, with introductions of the board, executive management, and key external partners attending virtually.

• The agenda included the election of directors and an advisory vote on executive compensation.

Board and executive committee updates

• Three director nominees were presented for election to three-year terms: Patricia W. Eby, Gerald Ilnis, and Valerie Moreno.

• Recent finance team changes included the hiring of Graham Clancy as SVP, Director of Finance, and the promotion of Fung Lee to SVP, Controller, following Wendy Beck's retirement.

• The board has an active succession plan to ensure strong future leadership.

Financial performance review

• Net income for fiscal year 2025 was $4.9 million, up from $3.8 million the previous year, a 29% increase.

• The loan portfolio grew by nearly 4% year over year, with a balance exceeding $1 billion and a strong pipeline reaching $90 million.

• Capital ratios remained robust: total risk-based capital at 16.48% and leverage ratio at 11.1% as of March 31, 2025.

• Asset quality improved, with nonperforming assets at their lowest level and minimal net charge-offs.

• Deposits remained steady, with a strong local core deposit base and available liquidity of nearly $800 million.