Riverview is a community bank holding company that operates Riverview Bank in the Portland-Vancouver metropolitan area. The bank operates 17 branch locations to collect deposits from local customers and lends to businesses and real estate owners in southwest Washington and northwest Oregon. Commercial real estate represents the majority of Riverview’s loan portfolio, followed by commercial business loans and multi-family real estate. The company also offers consumer loans but has stopped originating new residential mortgages. Riverview’s business model depends on the interest spread between its loan yields and the cost of its deposits. The bank prioritizes commercial lending because these loans generally offer adjustable rates and higher yields compared to residential products. To fund these loans, Riverview emphasizes gathering low-cost core deposits through its branch network rather than using wholesale funding sources. Additionally, the company operates Riverview Trust, which provides investment management, trust services, and estate planning. Riverview competes by offering local decision-making and personalized service to small and mid-sized businesses and individuals. This relationship-based strategy aims to differentiate the bank from larger national and regional competitors that operate in the same geographic markets.