# RIVERVIEW BANK
VANCOUVER, WA · FDIC certificate 29922 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.47B | |
| Deposits | $1.27B | |
| Loans and leases | $1.09B | |
| Total equity | $167.1M | |
| Loans / deposits | 85.14% (p45 of band) | 87.10% |
| Liquid assets / assets | 18.94% (p41 of band) | |
| Uninsured deposits / deposits | 27.81% (p41 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.23% (p24 of band) | |
| FHLB advances / assets | 1.10% | |
| Tier 1 leverage | 10.96% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -15.30% (p27 of band) | -7.75% |
| AOCI / equity | -5.64% (p0 of band) | |
| ROA (annualized) | -0.77% (p1 of band) | 1.26% |
| Net interest margin | 3.32% (p27 of band) | 3.70% |
| Efficiency ratio | 83.02% (p95 of band) | |
| Noncurrent loans | 0.80% (p66 of band) | 0.51% |
| Net charge-offs (annualized) | 0.14% (p80 of band) | |
| Reserve coverage of noncurrent | 175.49% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 21.03% (p19 of band) | |
| Auto loans | $80,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 247 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 0 |  | liquid assets <10% |
| 2011-09 | 3 | liquid assets <10%, capital falling, reserve under noncurrent |  |
| 2011-12 | 5 | losing money, charge-offs p90 |  |
| 2012-03 | 4 |  | liquid assets <10% |
| 2012-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-09 | 5 |  | deposits shrinking |
| 2012-12 | 6 | deposits shrinking |  |
| 2013-03 | 5 | expense ratio p90 | losing money, charge-offs p90 |
| 2013-06 | 3 |  | assets shrinking, uninsured deposits leaving |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 0 |  | expense ratio p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2023-03 | 4 | uninsured deposits leaving | noncurrent p90 |
| 2023-06 | 3 |  | uninsured deposits leaving |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 4 | capital falling, losing money, expense ratio p90 | deposits shrinking |
| 2024-06 | 4 | uninsured deposits leaving | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity, losing money, uninsured deposits leaving |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2026-06 | 2 |  | capital falling, charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-14 [Sunday Sounds Concert Series: Petty Fever - - City of Vancouver Washington](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRWNGLUFtRkY3aWRhSi1UTUIwaU1XQnNhclJJYWJUZ1NHc1ROZC1MaC1iRHN3RUhkR1N2dTdXek94eUZ5TFRGVnhVbjYwS1lhT2dZZWI5cmgtcDZzbG1fWnhodVdQOVI4Xy1wQS1ZdVpzVzUyZGxmOXVZNkpOMkdIeUhKOExIQQ?oc=5) · City of Vancouver Washington
- 2024-06-24 [Riverview Bank taps M&A expert as next CEO - Banking Dive](https://news.google.com/rss/articles/CBMikgFBVV95cUxNd0NGMWw2RzlPYWFLNGJTeUtzRlgxbjZ3eGJYdzVDTjhnWmJYWTQ3elh3VERUcE5wdHE3bkR1dFFvMi1aZ25CRlI1enFNTmU1bk5DVV9kYXRrbDdoU2w2N2VqUEprYXNub0gxbkhMcUtZOHZjQ3czTVk2MkpsVTJaUnlLRVhQa0tyMXVZcm15Q1l0QQ?oc=5) · Banking Dive
- 2025-04-29 [Riverview Bancorp, Inc. Announces $2 Million Stock Repurchase Program - Quiver Quantitative](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZXNVSEFkQm81XzNoZUoxWGRieFVzazFPMEpHdWlKcDVBNEdwZGpBUXpDSWg0dHZhdHZUUzJOVTRVYkNsUS1ZVmw3c3hLTUVJN1R2bjVHMHFaZmNYNjJSZVJQVmFOMWk0cHRTOFZSZk5DVXhpalV4YTM3QkJ5YTJfWDhqNU1FNzlaZzlFeHdiZ0lLVDhRRnFRRWVVWlVVUWFpcjNsYzd6QmxuQQ?oc=5) · Quiver Quantitative
- 2024-06-24 [Riverview names Nicole Sherman as new President and CEO - Vancouver Business Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQd2RyTENLS0VzTE9sZ3JXSjlTcnN6aUkzZy1KTzVHTDl4c01Zbm5EamNvTEN5UWxyZ0lqMzdXZWcweDNIanZDd1Q1eFRtaDJNbFdwV0FFcXhkTng2NUpHN1g2T0dQNFI1eFRZNmFSUXlha0xiZlV4REl6WWREQjdmYXlnWXdxZ0xaX3FxdVJXWnV5QmdkVVR1dzd2WHTSAaIBQVVfeXFMTXQwbzlIamtlUko2T21UbXVQbHlRVmxrM1ZoYWtpXzJLUUpzczNhYmJvN1dnVXdRc1lULXY0Y3d4eElPN0t5YWZjTVJQWHBybkFoTklTdlFUaTdGVmZjUmJ4T0RlbDhxaFAtMVFIX051SU1WSnpDUTkzZ2dvNkNOZTJJQjVZV1Y4c2ItV1hnNTNGUFBRbmFMRnBzRElGWlMwQXpn?oc=5) · Vancouver Business Journal
- 2023-08-10 [Riverview Bank ousts CEO - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNjg0VTRBUUZZdkhqNXFCMVVSb0RlTXpuNlhUX2g0XzZPRl9na0ZoUDVqS09Sal81UEZGUjhXaG8wM21relhyMkZMMnFwZTc4eVNCSTdxQ2gtTkstTHBwcF9xamVGR1UwaFJZVm5iaENqTTM2NmROLWpaUWF0Q00wVmhBeEQ3cURKQ0NxV1JacFlQd21UbWhmNEpaOFk?oc=5) · Banking Dive
- 2025-03-04 [Top exec for Oregon's 4th-largest bank to step down - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdllkTDRyN0puOWhlTl81V1Y3VGRRQkJmSmRFcGw4QjdncTR0S3hGZXh0Z1pQT1pNT3hRRUFRRUxvbDloZDJHSWlqN2l3R2sycG1oT2hvQTdVQkpBR09RbjFuazZyTjc1VUhOVGcyZEFhaGRXNWY4NW5vUGs1R2JuR2NyclBjTmNiMm1FZmZ2a082WWJHaEE?oc=5) · The Business Journals
- 2026-08-26 [Riverview Bancorp, Inc. Announces $4.0 Million Stock Repurchase Program - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-05-14 [Sunday Sounds Concert Series: Slicker - - City of Vancouver Washington](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVEJJNGVUSWJoRkFTbDA4NEo1ZGgwZXptcXFSM1A1cVRpUmYwd19NN09TRHJ4MmVLUE04cEI3TWsxWkRaOThZdFFOeVVURlZpUWFzc0lhTTRGUV80eS1EQ1lLQWlCRVFGRWRRXzY1ZTdTeGJBR1B2RTFid3dHNDhqSg?oc=5) · City of Vancouver Washington

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29922 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "29922", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide