Mission Statement, Vision, & Core Values of Riverview Bancorp, Inc. (RVSB)

You're looking past the stock ticker to understand the bedrock of a community bank, and for Riverview Bancorp, Inc. (RVSB), the numbers defintely tell a story of values-driven resilience.

In a challenging rate environment, how does a bank with $1.51 billion in Total Assets and $1.23 billion in Total Deposits as of March 31, 2025, manage to post $4.9 million in net income for the fiscal year, and what does their Vision-to be the preferred place to bank and work in the PNW-actually mean for their $106.24 million market capitalization?

We'll map their Mission and Core Values like Do the right thing and Embrace change directly to the strategic decisions that drive their performance; are these just corporate platitudes, or are they the operating principles that keep the balance sheet strong?

Riverview Bancorp, Inc. (RVSB) Overview

You need a clear picture of Riverview Bancorp, Inc. (RVSB), the holding company for Riverview Bank, and its financial trajectory before diving into strategy. The quick takeaway is that Riverview Bancorp is a stable, Washington-based community bank that just capped a strong fiscal year, posting a $4.9 million net income for the 2025 fiscal year, and continues to show deposit growth despite a tough rate environment.

Founded in 1923, the company is headquartered in Vancouver, Washington, and has built its reputation on a community-focused model serving individuals and small-to-medium-sized businesses across Washington and Oregon. Honestly, a nearly century-long history in one region tells you a lot about their staying power.

Riverview Bancorp's core business is straightforward: traditional banking. They provide commercial and personal banking services, which include a full suite of deposit products like checking, savings, and certificates of deposit (CDs), plus a variety of loan options. Their main product sales come from lending, which spans commercial business loans, commercial and residential real estate, construction loans, and consumer credit. Plus, they offer asset management services, including trust and investment management, through Riverview Trust Company, which had $877.9 million in assets under management as of March 31, 2025.

As of the end of the 2025 fiscal year (March 31, 2025), the company's total loans stood at $1.06 billion, reflecting strong loan production and client engagement. Their total deposits were $1.23 billion at that same time, showing a steady base of funding.

• Total Loans: $1.06 billion at FY2025 end.
• Total Deposits: $1.23 billion at FY2025 end.
• Trust Assets Under Management: $877.9 million.

Latest Financial Performance and Growth Drivers

The company's most recent results, for the second fiscal quarter of 2026 (ended September 30, 2025), show continued stability and strategic focus. Riverview Bancorp reported a net income of $1.1 million for the quarter, or $0.05 per diluted share. Total revenue for the quarter was $13.62 million, a solid beat over the year-ago quarter's revenue of $12.78 million.

What's driving this? A few things. First, their net interest margin (NIM)-the difference between interest income and interest paid out-expanded to 2.76% in Q2 2026. That's a 30-basis-point jump from the 2.46% NIM a year earlier, which shows their efforts to stabilize funding costs and increase loan yields are defintely paying off. Second, deposit growth is still happening: total deposits increased to $1.24 billion at September 30, 2025.

Looking at the bigger picture, the full fiscal year 2025 was a record-breaking year for net income, which climbed to $4.9 million, a significant increase from $3.8 million in the prior fiscal year. This growth came despite economic uncertainty, proving their strategic investment restructuring and cost management-non-interest expense decreased to $11.4 million in Q4 FY2025 from $13.1 million a year earlier-were effective.

A Leading Community Bank in the Pacific Northwest

While Riverview Bancorp may not be a global giant like BlackRock, it is a formidable and leading player in the community banking segment of its regional market. The company operates with exceptionally strong asset quality; non-performing assets were just 0.05% of total assets at the end of Q2 2026. That's a sign of tight underwriting and a deep understanding of their local economy.

In a recent MarketBeat evaluation, Riverview Bancorp scored higher than 95% of companies assessed and ranked 105th out of 937 stocks in the finance sector. That's not small-time. This high ranking reflects its strong financial health and consistent performance metrics, cementing its status as a key financial institution in the Southwest Washington and Portland, Oregon, metro area.

To understand the investor perspective on this regional powerhouse, you should take a closer look at the capital flows. You can find out more below to understand why Riverview Bancorp is successful: Exploring Riverview Bancorp, Inc. (RVSB) Investor Profile: Who's Buying and Why?

Riverview Bancorp, Inc. (RVSB) Mission Statement

You need to know what truly drives a company like Riverview Bancorp, Inc. beyond the quarterly earnings call, and that's where the mission statement comes in. It's not just a plaque on the wall; it's the operating manual for every decision, from lending policy to community engagement.

Riverview Bancorp, Inc.'s mission is clear: We are a true partner in our communities by ensuring people feel seen, heard, and valued. We move beyond the transactional-based experience to foster relationships with genuine care and exceptional service. This statement guides their long-term goal of becoming the preferred financial institution in the Pacific Northwest (PNW), a vision that directly ties into their operational success and financial health. To be fair, a strong mission is defintely a precursor to sustainable growth.

Component 1: True Partnership in Our Communities

The first core component is the commitment to being a 'true partner in our communities,' which is a foundational principle for a community bank. This isn't abstract corporate social responsibility; it's a tangible investment in the local ecosystem. For the fiscal year ending March 31, 2025, Riverview Bancorp, Inc. backed this up by donating $311,850 to local organizations whose missions align with empowering the community. That's a concrete number showing where their capital goes.

This partnership model helps manage risk and builds a loyal client base, which is crucial in a competitive market. The bank's team lives and works in the areas they serve, with employees holding positions on 46 boards and committees for area nonprofit organizations. This deep integration means they understand local economic drivers and client needs better than a distant national bank. This local focus is a key part of their strategy, especially when you look at their total assets of $1.51 billion as of March 31, 2025.

• Invest locally, grow sustainably.

Component 2: Moving Beyond the Transactional-Based Experience

The second component, 'moving beyond the transactional-based experience,' is Riverview Bancorp, Inc.'s answer to the cold, impersonal nature of large-scale banking. It means shifting the focus from simply processing a loan or a deposit to building a long-term advisory relationship. This is where their investment in technology and people comes into play.

Their recently completed three-year strategic plan, which concluded in fiscal year 2025, prioritized 'digital leadership' and 'data empowerment' to create a more seamless client experience. You want convenience, so they've introduced an updated digital banking platform to make it easier for clients to manage money. But, they pair this high-tech with a high-touch approach, which has earned them the 'Best Bank' title from readers of The Vancouver Business Journal and The Columbian for over a decade. This balance is what drives client loyalty and, ultimately, profitability. For more on how these decisions impact the bottom line, you should look at Breaking Down Riverview Bancorp, Inc. (RVSB) Financial Health: Key Insights for Investors.

Component 3: Fostering Relationships with Genuine Care and Exceptional Service

The final pillar, 'to foster relationships with genuine care and exceptional service,' is the execution layer for the entire mission. This is where the company's Core Values, which they call True North, become actionable. These values ensure that the strong financial performance-like the net income increasing to $4.9 million for fiscal year 2025, up from $3.8 million in the prior year-is built on a stable, ethical foundation.

Here's the quick math: when you have a strong credit culture and a disciplined approach, your asset quality stays strong. For example, their capital levels remained robust with a Total Risk-Based Capital Ratio of 16.48% and a Leverage Ratio of 11.10% as of March 31, 2025. These numbers are well above regulatory minimums, showing a commitment to safe and sound banking practices. The Core Values that drive this are simple, but powerful:

• Bring your best self.
• Take care of each other.
• Do the right thing.
• Embrace change.
• Find a better way together.
• Connect with our communities.

This focus on integrity and trust is what allows them to maintain strong loan growth, with total loans increasing to $1.06 billion at the end of March 2025. It's a virtuous cycle: good values lead to good service, which leads to strong financial results.

Riverview Bancorp, Inc. (RVSB) Vision Statement

You need a clear line of sight into Riverview Bancorp, Inc.'s strategy, and it starts with their vision: To be the preferred place to bank and work in the PNW (Pacific Northwest). This isn't corporate fluff; it's a dual mandate that directly maps to client satisfaction and operational efficiency, which are the two biggest drivers of long-term shareholder value in community banking.

The vision is ambitious but defintely achievable, especially for a bank with a century of roots in the Vancouver, Washington, and Portland Metro area. The key is seeing how their financial performance in the 2025 fiscal year either supports or challenges this goal. We're looking for proof points in the numbers, not just the words.

Preferred Place to Bank in the PNW: The Client Mandate

Being the preferred bank means winning on service and stability. Riverview Bancorp's commitment to being a true partner in its communities is the mission that underpins this vision. Honestly, clients don't care about your mission; they care about their money-specifically, how safe it is and how easily they can access credit. The 2025 fiscal year data shows a strong foundation for trust.

For the fiscal year ended March 31, 2025, the bank's asset quality was exceptionally strong, with non-performing assets at just 0.01% of total assets. That's a tiny fraction, which tells you they are managing credit risk well, even in a challenging rate environment. Plus, total loans grew to $1.06 billion at March 31, 2025, up from $1.02 billion a year prior, showing they are still actively deploying capital to businesses and individuals in the region.

• Total Assets: $1.51 billion at March 31, 2025.
• Total Deposits: $1.23 billion, holding steady year-over-year.
• Trust AUM: Riverview Trust Company managed $877.9 million in assets.

This stability is why clients choose a community bank over a national giant. If you want a deeper dive on the balance sheet, check out Breaking Down Riverview Bancorp, Inc. (RVSB) Financial Health: Key Insights for Investors. Your clients are sticking around because the bank is doing the right things.

Preferred Place to Work in the PNW: The Talent Mandate

The second half of the vision-preferred place to work-is about attracting and keeping top talent. In banking, your people are your product, especially in the high-touch commercial and wealth management segments. The bank's strategic plan explicitly includes a focus on being the 'employer of choice'.

This focus is critical because high employee turnover directly impacts client relationships and, ultimately, net income. Riverview Bancorp's net income for the fiscal year 2025 was $4.9 million, a solid improvement from $3.8 million in the prior year. A happy, stable workforce is a major contributor to that kind of bottom-line improvement, as it drives better sales and lower operational errors.

The bank's capital ratios also support this stability, giving employees confidence. The Total Risk-Based Capital Ratio was a strong 16.48% at March 31, 2025, far above regulatory minimums. That's a huge buffer. It means the bank can invest in its people, its technology, and its future without undue financial stress.

Core Values: The True North for Action

Riverview Bancorp's six core values-which they call their 'True North'-are the behavioral guideposts for achieving the vision. These aren't just posters on the wall; they translate into daily decisions that impact the bank's financial health.

• Bring your best self: Focuses on superior service and responsiveness. This value is reflected in the strong tangible book value per share of $6.33 at March 31, 2025, a key metric for shareholder returns.
• Take care of each other: Puts people first and fosters a collaborative environment. This internal focus is what keeps the talent pipeline strong.
• Do the right thing: Prioritizes integrity, trust, and transparency. This is why their non-performing assets ratio is so low; they are making sound, ethical lending decisions.
• Embrace change: Strives for constant improvement and innovation. This is essential for a community bank facing digital disruption.
• Find a better way together: Encourages teamwork and seeking solutions. This collaboration drives operational efficiencies, which helped net interest margin (NIM) hit 2.65% in Q4 2025.
• Connect with our communities: Commits to being a true partner. They supported 118 organizations with $311,850 in donations in 2025.

The core values are the operational framework that turns the vision into reality. Strong values lead to sound decisions, and sound decisions lead to a stronger balance sheet. It's a simple, powerful feedback loop.

Riverview Bancorp, Inc. (RVSB) Core Values

You're looking for a clear map of what drives Riverview Bancorp, Inc. (RVSB) beyond the balance sheet, and honestly, the core values are the best place to start. These aren't just posters on a wall; they are the operational compass that translated into a fiscal year 2025 net income of $4.9 million, up from $3.8 million the previous year. That kind of performance is defintely tied to a culture that prioritizes people and prudent growth.

The company's vision-to be the preferred place to bank and work in the PNW (Pacific Northwest)-is directly supported by six clear values. We can break these down into three areas: people, performance, and place. For more on the company's foundation, you can check out Riverview Bancorp, Inc. (RVSB): History, Ownership, Mission, How It Works & Makes Money.

People-First Culture: Bring Your Best Self & Take Care of Each Other

This value is about recognizing that your client experience is only as good as your team's experience. Riverview Bancorp understands that being an 'employer of choice' isn't a buzzword; it's a strategic priority. They've invested in expanded learning and development offerings to ensure consistency across the company, which helps careers flourish and clients benefit from a high-quality, predictable service experience.

Here's the quick math: an engaged employee base drives better client service, which in turn supports the growth of total assets, which stood at $1.51 billion as of March 31, 2025. The focus here is on creating a collaborative, engaging, and satisfying work environment where team members pitch in and lift each other up. That's how you retain top talent and drive innovation.

• Invest in employee training for consistency.
• Prioritize team collaboration and support.
• Ensure team members feel seen and heard.

Operational Integrity: Do the Right Thing, Embrace Change, & Find a Better Way Together

For a financial institution, 'Do the right thing' translates directly into maintaining a strong, safe, and sound balance sheet. This is where the rubber meets the road for investors. Riverview Bancorp's asset quality remains exceptionally strong, with non-performing assets (NPAs) representing just 0.01% of total assets at the end of fiscal year 2025. That's a tiny fraction, showing their prudent lending practices.

Also, the commitment to shareholders is clear: they completed a $2.0 million stock repurchase plan during the fourth fiscal quarter of 2025, a prudent way to deploy excess capital and enhance shareholder value. The 'Embrace change' and 'Find a better way together' values are visible in their strategic plan, which focuses on 'digital experience' and 'data empowerment.' They introduced an updated digital banking platform to make it easier for clients to manage their money when and how they want. They are proactive, not reactive.

Community Commitment: Connect with Our Communities

The mission is explicit: be a true partner in their communities. This isn't just a feel-good statement; it's a measurable investment in the Pacific Northwest market, which ultimately strengthens their deposit base of $1.23 billion. The company's commitment goes beyond regulatory requirements under the Community Reinvestment Act (CRA).

The most concrete example is their financial support: in their 2025 Annual Report, Riverview Bancorp highlighted a community impact that included $311,850 in donations to 118 local organizations whose missions range from Animal Welfare to Economic Development. Plus, their team members dedicate their time and expertise, serving on nonprofit boards and engaging in hands-on community service. They know that when their neighbors thrive, they all do.