Riverview Bancorp, Inc. (RVSB) Balance Sheet
RVSB balance sheet, FY2026
March 31, 2026 · U.S. dollars$1.46B assets = $1.32B liabilities + $145.6M equity
Both columns are drawn to the same scale: what RVSB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
RVSB financial health
Descriptive bands, not a rating. Fiscal FY2026.
RVSB balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $1.13BFY2017 | $1.46BFY2026 | +2.9%/yr | |
| Total liabilities | $28.8MFY2017 | $1.32BFY2026 | +52.9%/yr | |
| Shareholders’ equity | $1.11BFY2017 | $145.6MFY2026 | −20.2%/yr | |
| Cash & short-term investments | $275.9MFY2017 | $118.0MFY2026 | −9.0%/yr | |
| Total debt | $29.0MFY2017 | $45.3MFY2026 | +5.1%/yr | |
| Net cash (debt) | $246.8MFY2017 | $72.7MFY2026 | −$174.1M | |
| Working capital | −$254.1MFY2017 | −$1.13BFY2026 | −$877.9M | |
| Book value per share | $49.01FY2017 | $6.99FY2026 | −19.5%/yr | |
| Debt / equity | 0.03FY2017 | 0.31FY2026 | +0.28 | |
| Shares outstanding | 22.5MFY2017 | 20.8MFY2026 | −0.9%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
RVSB assets
RVSB liabilities and equity
RVSB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
RVSB balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $118.0M | $43.5M | $166.8M | $233.8M | $407.5M | $482.0M | $190.5M | $201.9M | $264.0M | $275.9M |
| Cash & equivalents | $116.9M | $29.4M | $23.6M | $22.3M | $241.7M | $265.7M | $42.2M | $23.7M | $50.7M | $75.7M |
| Short-term investments | $1.2M | $14.0M | $143.2M | $211.5M | $165.8M | $216.3M | $148.3M | $178.2M | $213.2M | $200.2M |
| Receivables | $4.1M | $4.5M | $4.4M | $4.8M | $4.7M | $5.2M | $3.7M | $3.9M | $3.5M | $2.9M |
| Inventory | $0 | $0 | −$28.1M | −$16.7M | $0 | −$16.7M | −$18.1M | $0 | −$24.5M | −$32.6M |
| Other current assets | $0 | $0 | $28.1M | $32.6M | $12.4M | $29.9M | $25.5M | $4.6M | $24.5M | $32.6M |
| Total current assets | $122.2M | $48.0M | $171.3M | $254.5M | $424.5M | $500.4M | $201.7M | $210.4M | $267.4M | $278.8M |
| Property, plant & equipment (net) | $22.0M | $23.4M | $22.9M | $21.4M | $18.5M | $19.3M | $17.1M | $15.5M | $15.8M | $16.2M |
| Goodwill & intangible assets | $27.2M | $27.2M | $27.3M | $27.5M | $27.6M | $27.8M | $28.0M | $28.3M | $28.6M | $28.8M |
| Long-term investments | $154.8M | $322.5M | $372.7M | $455.3M | $418.9M | $1.18B | $1.05B | $865.6M | $800.9M | $769.4M |
| Other non-current assets | $1.14B | $1.09B | $927.3M | $831.0M | $850.6M | $0 | $0 | $37.1M | $38.9M | $40.6M |
| Total assets | $1.46B | $1.51B | $1.52B | $1.59B | $1.74B | $1.55B | $1.18B | $1.16B | $1.15B | $1.13B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $15.7M | $19.3M | $21.9M | $11.8M | $12.5M | $9.4M | $13.1M |
| Short-term debt | — | $1.4M | $1.6M | $1.6M | $1.6M | $1.7M | $1.2M | $56.6M | $201,000 | $198,000 |
| Total current liabilities | $1.25B | $1.23B | $1.23B | $1.28B | $1.55B | $1.37B | $1.00B | $937.6M | $544.8M | $532.9M |
| Long-term debt | $43.3M | $103.5M | $115.3M | $26.9M | $26.8M | $26.7M | $26.7M | $29.0M | $28.9M | $28.8M |
| Lease obligations | $2.0M | $2.1M | $2.2M | $2.2M | $2.3M | $2.3M | $2.4M | $2.4M | $2.4M | $2.5M |
| Other long-term liabilities | $20.7M | $17.5M | $19.0M | $126.6M | $2.8M | $2.9M | $3.1M | $57.2M | $0 | $0 |
| Total liabilities | $1.32B | $1.35B | $1.37B | $1.43B | $1.58B | $1.40B | $1.03B | $1.02B | $28.9M | $28.8M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $203,000 | $208,000 | $211,000 | $212,000 | $221,000 | $223,000 | $225,000 | $226,000 | $65.1M | $64.7M |
| Retained earnings (deficit) | $113.7M | $119.7M | $116.5M | $117.8M | $104.9M | $87.9M | $81.9M | $70.4M | $56.6M | $48.3M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | −$77,000 |
| Accumulated other comprehensive income | −$19.4M | −$13.3M | −$16.1M | −$18.3M | −$10.0M | −$160,000 | $2.1M | −$2.6M | −$4.7M | −$1.7M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $145.6M | $160.0M | $155.6M | $155.2M | $157.2M | $151.6M | $148.8M | $133.1M | $1.12B | $1.11B |
| Key figures | ||||||||||
| Total debt | $45.3M | $105.6M | $117.5M | $152.9M | $29.1M | $29.1M | $29.0M | $85.6M | $29.1M | $29.0M |
| Net cash (debt) | $72.7M | −$62.1M | $49.4M | $80.9M | $378.3M | $452.9M | $161.5M | $116.4M | $234.8M | $246.8M |
| Working capital | −$1.13B | −$1.18B | −$1.06B | −$1.03B | −$1.13B | −$867.6M | −$800.6M | −$727.2M | −$277.4M | −$254.1M |
| Tangible book value | $118.5M | $132.8M | $128.2M | $127.8M | $129.6M | $123.8M | $120.8M | $104.8M | $1.09B | $1.08B |
| Book value per share | $6.99 | $7.60 | $7.36 | $7.17 | $7.08 | $6.79 | $6.56 | $5.87 | $49.63 | $49.01 |
| Shares outstanding | 20.8M | 21.1M | 21.1M | 21.6M | 22.2M | 22.3M | 22.7M | 22.7M | 22.6M | 22.5M |
| Current ratio | 0.10 | 0.04 | 0.14 | 0.20 | 0.27 | 0.37 | 0.20 | 0.22 | 0.49 | 0.52 |
| Quick ratio | 0.10 | 0.04 | 0.14 | 0.19 | 0.27 | 0.36 | 0.19 | 0.22 | 0.49 | 0.52 |
| Debt / equity | 0.31 | 0.66 | 0.76 | 0.98 | 0.19 | 0.19 | 0.20 | 0.64 | 0.03 | 0.03 |
| Equity / assets | 9.9% | 10.6% | 10.2% | 9.8% | 9.0% | 9.8% | 12.6% | 11.5% | 97.5% | 97.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $102.9M | $118.0M | $42.2M | $43.8M | $46.5M | $43.5M | $46.6M | $163.9M | $165.2M | $166.8M | $234.0M | $224.8M |
| Cash & equivalents | $102.2M | $116.9M | $28.6M | $32.8M | $34.2M | $29.4M | $25.3M | $31.0M | $27.8M | $23.6M | $37.6M | $30.9M |
| Short-term investments | $698,000 | $1.2M | $13.5M | $11.0M | $12.4M | $14.0M | $21.2M | $133.0M | $137.4M | $143.2M | $196.5M | $194.0M |
| Receivables | $4.5M | $4.1M | $4.8M | $4.5M | $4.5M | $4.5M | $4.6M | $4.6M | $4.8M | $4.4M | $5.2M | $4.9M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | −$35.5M | −$1.02B | −$28.1M | $960.0M | −$35.7M |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $35.5M | $1.02B | $28.1M | $0 | $50.2M |
| Total current assets | $16.4M | $122.2M | $47.0M | $48.3M | $51.0M | $48.0M | $51.2M | $168.5M | $170.0M | $171.3M | $239.3M | $244.2M |
| Property, plant & equipment (net) | $21.6M | $22.0M | $22.5M | $22.8M | $23.0M | $23.4M | $23.9M | $24.1M | $22.5M | $22.9M | $23.5M | $23.9M |
| Goodwill & intangible assets | $27.1M | $27.2M | $27.2M | $27.2M | $27.2M | $27.2M | $27.3M | $27.3M | $27.3M | $27.3M | $27.4M | $27.4M |
| Long-term investments | $175.9M | $154.8M | $301.6M | $311.2M | $316.3M | $322.5M | $337.2M | $354.9M | $363.2M | $372.7M | $429.1M | $430.0M |
| Other non-current assets | $1.23B | $1.14B | $1.11B | $1.10B | $1.10B | $1.09B | $1.07B | $973.6M | $955.3M | $927.3M | $871.4M | $858.2M |
| Total assets | $1.47B | $1.46B | $1.51B | $1.51B | $1.52B | $1.51B | $1.51B | $1.55B | $1.54B | $1.52B | $1.59B | $1.58B |
| Liabilities | ||||||||||||
| Short-term debt | — | — | — | $726,000 | $1.8M | $1.4M | $351,000 | $699,000 | $1.2M | $1.6M | $157.5M | $144.0M |
| Total current liabilities | $17.2M | $1.25B | $1.23B | $1.24B | $1.21B | $1.23B | $1.22B | $1.24B | $1.22B | $1.23B | $1.22B | $1.26B |
| Long-term debt | $43.3M | $43.3M | $87.7M | $79.4M | $129.6M | $103.5M | $111.3M | $129.4M | $140.5M | $115.3M | $184.0M | $170.1M |
| Lease obligations | $2.0M | $2.0M | $2.0M | $2.1M | $2.1M | $2.1M | $2.1M | $2.1M | $2.2M | $2.2M | $2.2M | $2.2M |
| Other long-term liabilities | $1.28B | $20.7M | $26.9M | $30.1M | $15.1M | $17.5M | $20.1M | $20.8M | $22.1M | $19.0M | $29.2M | $3.1M |
| Total liabilities | $1.33B | $1.32B | $1.35B | $1.35B | $1.35B | $1.35B | $1.35B | $1.39B | $1.38B | $1.37B | $1.43B | $1.43B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $200,000 | $203,000 | $205,000 | $207,000 | $208,000 | $208,000 | $209,000 | $211,000 | $211,000 | $211,000 | $211,000 | $211,000 |
| Retained earnings (deficit) | $115.0M | $113.7M | $122.2M | $121.2M | $120.5M | $119.7M | $119.0M | $118.2M | $117.0M | $116.5M | $120.7M | $120.6M |
| Accumulated other comprehensive income | −$19.4M | −$19.4M | −$10.0M | −$10.8M | −$12.2M | −$13.3M | −$15.2M | −$12.7M | −$16.4M | −$16.1M | −$17.5M | −$23.7M |
| Total shareholders' equity | $145.3M | $145.6M | $164.2M | $163.5M | $162.0M | $160.0M | $158.3M | $160.8M | $155.9M | $155.6M | $158.5M | $152.0M |
| Key figures | ||||||||||||
| Total debt | $45.3M | $45.3M | $89.7M | $81.5M | $131.7M | $105.6M | $113.4M | $131.5M | $142.7M | $117.5M | $186.2M | $172.3M |
| Net cash (debt) | $57.6M | $72.7M | −$47.5M | −$37.7M | −$85.2M | −$62.1M | −$66.8M | $32.4M | $22.5M | $49.4M | $47.8M | $52.5M |
| Working capital | −$743,000 | −$1.13B | −$1.19B | −$1.19B | −$1.16B | −$1.18B | −$1.17B | −$1.07B | −$1.05B | −$1.06B | −$979.6M | −$1.01B |
| Tangible book value | $118.1M | $118.5M | $137.0M | $136.3M | $134.8M | $132.8M | $131.0M | $133.5M | $128.6M | $128.2M | $131.1M | $124.6M |
| Book value per share | $7.13 | $7.05 | $7.91 | $7.81 | $7.72 | $7.62 | $7.52 | $7.62 | $7.39 | $7.37 | $7.51 | $7.17 |
| Shares outstanding | 20.4M | 20.7M | 20.8M | 20.9M | 21.0M | 21.0M | 21.0M | 21.1M | 21.1M | 21.1M | 21.1M | 21.2M |
| Current ratio | 0.96 | 0.10 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.14 | 0.14 | 0.14 | 0.20 | 0.19 |
| Quick ratio | 6.25 | 0.10 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.14 | 0.14 | 0.14 | 0.20 | 0.18 |
| Debt / equity | 0.31 | 0.31 | 0.55 | 0.50 | 0.81 | 0.66 | 0.72 | 0.82 | 0.92 | 0.76 | 1.18 | 1.13 |
| Equity / assets | 9.9% | 9.9% | 10.9% | 10.8% | 10.7% | 10.6% | 10.5% | 10.4% | 10.1% | 10.2% | 10.0% | 9.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed June 12, 2026); data from EODHD.
RVSB financial position
At the end of fiscal 2026 (March 31, 2026), Riverview Bancorp had total assets of $1.5 billion (down 3.3% from a year earlier), total liabilities of $1.3 billion and shareholders' equity of $145.6 million. It held $118.0 million in cash and short-term investments against $45.3 million of debt, a net cash position of $72.7 million. Its current ratio was 0.10. In the latest quarter (ended June 30, 2026) total assets were $1.5 billion and equity $145.3 million.
Related: RVSB income statement, RVSB cash flow statement, RVSB key metrics. See the RVSB stock overview for the latest quote and news.
RVSB balance sheet FAQ
What are Riverview Bancorp's total assets?
Riverview Bancorp reported total assets of $1.5 billion at the end of fiscal 2026 (March 31, 2026), compared with $1.5 billion a year earlier.
How much debt does Riverview Bancorp have?
Riverview Bancorp had $45.3 million of total debt at the end of fiscal 2026, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 0.31.
How much cash does Riverview Bancorp have?
Riverview Bancorp held $118.0 million in cash and short-term investments at the end of fiscal 2026; with $45.3 million of debt that is net cash of $72.7 million.
What is Riverview Bancorp's book value?
Riverview Bancorp's shareholders' equity (book value) was $145.6 million at the end of fiscal 2026, or $6.99 per share.
What is Riverview Bancorp's current ratio?
Riverview Bancorp had current assets of $122.2 million and current liabilities of $1.3 billion, a current ratio of 0.10 (current liabilities exceed current assets).
How much goodwill does Riverview Bancorp have?
Riverview Bancorp carried $27.2 million of goodwill and intangible assets, 1.9% of total assets, at the end of fiscal 2026.