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Riverview Bancorp (RVSB) investor relations material
Riverview Bancorp Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary3 Nov, 2025
Executive summary
Net income for Q2 was $1.1 million ($0.05 per diluted share), down from $1.6 million ($0.07/share) year-over-year, mainly due to one-time non-recurring expenses; six-month net income was $2.3 million ($0.11/share) versus $2.5 million ($0.12/share) prior year.
Strategic investments in talent and technology increased short-term expenses but strengthened commercial and business banking segments.
Net interest income rose to $9.8 million for the quarter and $19.6 million for six months, driven by higher loan yields and balances.
Asset quality remained strong with nonperforming assets at 0.05% of total assets and an allowance for credit losses (ACL) covering over 1,900% of nonperforming loans.
Loan pipeline reached a record $78.5 million, with strong demand and rising loan production.
Financial highlights
Total assets were $1.51 billion at September 30, 2025, with loans receivable, net, stable at $1.05 billion; total loans grew $2.1 million sequentially and $9.2 million year-over-year to $1.07 billion.
Deposits increased $26.5 million sequentially to $1.24 billion, with core branch deposits representing 97.1% of total deposits.
Investment securities decreased to $311.2 million due to paydowns and maturities.
FHLB advances declined by $50.2 million to $52.3 million, reflecting reduced reliance on wholesale funding.
Shareholders’ equity rose to $163.5 million, aided by net income and improved accumulated other comprehensive income.
Outlook and guidance
Management remains focused on sustainable and profitable growth, digital innovation, and operational efficiency.
Investments in technology and talent are expected to moderate in future quarters, with a goal to lower the efficiency ratio.
The company expects to maintain quarterly dividends at $0.02 per share, subject to board discretion.
Strong loan demand and a robust pipeline position the company for continued profitable growth.
No material changes in risk factors or market risk disclosures were reported.
Path to lower efficiency ratio given investments
Update on the classified asset relationship
Explain new loan origination yield vs portfolio yield
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Next Riverview Bancorp earnings date
Q3 202626 Jan, 2026
Next Riverview Bancorp earnings date
Q3 202626 Jan, 2026
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Frequently asked questions
Riverview Bancorp, Inc. operates as the holding company for Riverview Community Bank, offering a range of banking services. The company provides traditional banking products such as personal and business checking and savings accounts, money market accounts, and certificates of deposit. Riverview also offers commercial real estate, residential real estate, construction, and consumer loans, serving both individual and business clients. In addition, the bank provides wealth management services, including trust and investment management. Riverview Bancorp primarily operates in the Pacific Northwest region of the United States. The company is headquartered in Vancouver, Washington, and its shares are listed on the NASDAQ.
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