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  <xsd:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xsd:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd" />
  <xsd:import namespace="http://fasb.org/us-roles/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-roles-2025.xsd" />
  <xsd:import namespace="http://fasb.org/us-gaap/2025" schemaLocation="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd" />
  <xsd:import namespace="http://fasb.org/srt/2025" schemaLocation="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2025" schemaLocation="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/cyd/2025" schemaLocation="https://xbrl.sec.gov/cyd/2025/cyd-2025.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/cyd-af-sub/2025" schemaLocation="https://xbrl.sec.gov/cyd/2025/cyd-af-sub-2025.xsd" />
  <xsd:element name="PurchasedLoansAmortizationAccretionNet" id="rvsb_PurchasedLoansAmortizationAccretionNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="DividendsDeclaredAndAccruedInOtherLiabilities" id="rvsb_DividendsDeclaredAndAccruedInOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeLoss" id="rvsb_OtherComprehensiveIncomeLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="JuniorSubordinatedDebenturesAbstract" id="rvsb_JuniorSubordinatedDebenturesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="JuniorSubordinatedDebentureDisclosureTextBlock" id="rvsb_JuniorSubordinatedDebentureDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfTemporarilyImpairedSecuritiesFairValueAndUnrealizedLossesTableTextBlock" id="rvsb_ScheduleOfTemporarilyImpairedSecuritiesFairValueAndUnrealizedLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfAllowanceForLoanAndLeaseLossesRollForwardTableTextBlock" id="rvsb_ScheduleOfAllowanceForLoanAndLeaseLossesRollForwardTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfSignificantOffBalanceSheetCommitmentsTableTextBlock" id="rvsb_ScheduleOfSignificantOffBalanceSheetCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MerchantsBancorpMember" id="rvsb_MerchantsBancorpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MunicipalSecuritiesMember" id="rvsb_MunicipalSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RealEstateMortgageInvestmentConduitsMember" id="rvsb_RealEstateMortgageInvestmentConduitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherMortgageBackedSecuritiesMember" id="rvsb_OtherMortgageBackedSecuritiesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RealEstateOneToFourFamilyMember" id="rvsb_RealEstateOneToFourFamilyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="OtherInstallmentMember" id="rvsb_OtherInstallmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PercentageOfLoansAndExtensionsOfCreditOutstanding" id="rvsb_PercentageOfLoansAndExtensionsOfCreditOutstanding" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivables30To89DaysPastDueMember" id="rvsb_FinancingReceivables30To89DaysPastDueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivableRecordedInvestmentPastDueAndNonAccrual" id="rvsb_FinancingReceivableRecordedInvestmentPastDueAndNonAccrual" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="InterestIncomeForegoneOnNonAccrualLoans" id="rvsb_InterestIncomeForegoneOnNonAccrualLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="IssuanceTrustAxis" id="rvsb_IssuanceTrustAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="IssuanceTrustDomain" id="rvsb_IssuanceTrustDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RiverviewBancorpStatutoryTrustIMember" id="rvsb_RiverviewBancorpStatutoryTrustIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RiverviewBancorpStatutoryTrustIIMember" id="rvsb_RiverviewBancorpStatutoryTrustIIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MerchantsBancorpStatutoryTrustIMember" id="rvsb_MerchantsBancorpStatutoryTrustIMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumNumberOfConsecutiveQuartersForDeferredPaymentOfEachDebenture" id="rvsb_MaximumNumberOfConsecutiveQuartersForDeferredPaymentOfEachDebenture" type="xbrli:integerItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DebenturesIssuedToGrantorTrusts" id="rvsb_DebenturesIssuedToGrantorTrusts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="CommonSecuritiesIssuedByGrantorTrusts" id="rvsb_CommonSecuritiesIssuedByGrantorTrusts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LoanRelatedFeesMember" id="rvsb_LoanRelatedFeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoanServicingFees" id="rvsb_LoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="FixedRateLoansMember" id="rvsb_FixedRateLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ThresholdLimitForHonoringOfCommitments" id="rvsb_ThresholdLimitForHonoringOfCommitments" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansUnderWarranty" id="rvsb_LoansUnderWarranty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="AllowanceForFederalHomeLoanMortgageCorporationLoans" id="rvsb_AllowanceForFederalHomeLoanMortgageCorporationLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="ProceedsFromPrepaymentsOfDebtSecuritiesAvailableForSale" id="rvsb_ProceedsFromPrepaymentsOfDebtSecuritiesAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="PaymentsToAcquireLoansAndLeases" id="rvsb_PaymentsToAcquireLoansAndLeases" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncreaseDecreaseRealEstateOwnedValuationAllowance" id="rvsb_IncreaseDecreaseRealEstateOwnedValuationAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract" id="rvsb_ShareholdersEquityAndRegulatoryCapitalRequirementsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NatureOfOperationsPolicyTextBlock" id="rvsb_NatureOfOperationsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AllowanceForUnfundedLoanCommitmentsPolicyTextBlock" id="rvsb_AllowanceForUnfundedLoanCommitmentsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RealEstateOwnedReoPolicyTextBlock" id="rvsb_RealEstateOwnedReoPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FederalHomeLoanBankStockPolicyTextBlock" id="rvsb_FederalHomeLoanBankStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TrustAssetsPolicyTextBlock" id="rvsb_TrustAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsTableTextBlock" id="rvsb_ScheduleOfChangesInAllowanceForUnfundedLoanCommitmentsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfMaturitiesOfCertificatesOfDepositForFutureYearsTableTextBlock" id="rvsb_ScheduleOfMaturitiesOfCertificatesOfDepositForFutureYearsTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfInterestExpenseByDepositTypeTableTextBlock" id="rvsb_ScheduleOfInterestExpenseByDepositTypeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfTermsOfCurrentDebenturesTableTextBlock" id="rvsb_ScheduleOfTermsOfCurrentDebenturesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfBranches" id="rvsb_NumberOfBranches" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="MinimumPercentageOfMonthlyPaymentsChargedOffForConsumerInstallmentLoan" id="rvsb_MinimumPercentageOfMonthlyPaymentsChargedOffForConsumerInstallmentLoan" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SummaryOfSignificantAccountingPoliciesTable" id="rvsb_SummaryOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SummaryOfSignificantAccountingPoliciesLineItems" id="rvsb_SummaryOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MinimumReserveBalance" id="rvsb_MinimumReserveBalance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LoansToOfficersAndDirectors" id="rvsb_LoansToOfficersAndDirectors" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="LoansToOfficersAndDirectorsOriginations" id="rvsb_LoansToOfficersAndDirectorsOriginations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="LoansToOfficersAndDirectorsPrincipalRepayments" id="rvsb_LoansToOfficersAndDirectorsPrincipalRepayments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="RawLandLoansMember" id="rvsb_RawLandLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="MaximumLoanToValueRatio" id="rvsb_MaximumLoanToValueRatio" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LoansReceivableTermsOfMaturity" id="rvsb_LoansReceivableTermsOfMaturity" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="PremisesAndEquipmentDepreciationExpense" id="rvsb_PremisesAndEquipmentDepreciationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="CertificatesOfDeposit1Member" id="rvsb_CertificatesOfDeposit1Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxLiabilitiesFhlbStockDividend" id="rvsb_DeferredTaxLiabilitiesFhlbStockDividend" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="DeferredTaxLiabilitiesLoanFeesAndCosts" id="rvsb_DeferredTaxLiabilitiesLoanFeesAndCosts" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element name="BaseYearAllowanceForLoanLosses" id="rvsb_BaseYearAllowanceForLoanLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="EmployeeStockOwnershipPlanAbstract" id="rvsb_EmployeeStockOwnershipPlanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="RetirementPlanMember" id="rvsb_RetirementPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DirectorsAndExecutiveOfficersDeferredCompensationPlanMember" id="rvsb_DirectorsAndExecutiveOfficersDeferredCompensationPlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="StockOptionPlansMember" id="rvsb_StockOptionPlansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredCompensationPlanAnnualInterestRate" id="rvsb_DeferredCompensationPlanAnnualInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="NumberOfHoursOfService" id="rvsb_NumberOfHoursOfService" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="NumberOfPurchasesShareFromOpenMarketToEsop" id="rvsb_NumberOfPurchasesShareFromOpenMarketToEsop" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <xsd:element name="EquityInUndistributedEarningsLossOfBank" id="rvsb_EquityInUndistributedEarningsLossOfBank" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="ScheduleOfUnvestedRestrictedStockActivityTableTextBlock" id="rvsb_ScheduleOfUnvestedRestrictedStockActivityTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TimeBasedRestrictedStockMember" id="rvsb_TimeBasedRestrictedStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="LesseeCapitalAndOperatingLeaseDisclosureTableTextBlock" id="rvsb_LesseeCapitalAndOperatingLeaseDisclosureTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsOperatingLeaseLiabilities" id="rvsb_DeferredTaxAssetsOperatingLeaseLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="OtherNoninterestExpenseIncome" id="rvsb_OtherNoninterestExpenseIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="TrustCompanyAssetManagementMember" id="rvsb_TrustCompanyAssetManagementMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoansToForeignDomiciledBusinessesOrForeignCountries" id="rvsb_NumberOfLoansToForeignDomiciledBusinessesOrForeignCountries" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FairValueAssetsLevel1ToLevel2TransfersAmount1" id="rvsb_FairValueAssetsLevel1ToLevel2TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FairValueAssetsLevel2ToLevel1TransfersAmount1" id="rvsb_FairValueAssetsLevel2ToLevel1TransfersAmount1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvancesAdditionalBorrowingCapacity" id="rvsb_FederalHomeLoanBankAdvancesAdditionalBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAdvancesCreditLinePercentageOfTotalAssets" id="rvsb_FederalHomeLoanBankAdvancesCreditLinePercentageOfTotalAssets" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestDeferredIncome" id="rvsb_FinancingReceivableExcludingAccruedInterestDeferredIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FederalHomeLoanBankAndFederalReserveBankBorrowingArrangementsMember" id="rvsb_FederalHomeLoanBankAndFederalReserveBankBorrowingArrangementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AdjustmentToRetainedEarningsUponAdoptionOfAccountingStandardUpdateNetOfDeferredTax" id="rvsb_AdjustmentToRetainedEarningsUponAdoptionOfAccountingStandardUpdateNetOfDeferredTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualAllowance" id="rvsb_FinancingReceivableExcludingAccruedInterestNonaccrualAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" id="rvsb_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HeldToMaturityContinuousUnrealizedLossPositionAccumulatedLoss" id="rvsb_HeldToMaturityContinuousUnrealizedLossPositionAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HeldToMaturityContinuousUnrealizedLossPositionFairValue" id="rvsb_HeldToMaturityContinuousUnrealizedLossPositionFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" id="rvsb_HeldToMaturityContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="HeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" id="rvsb_HeldToMaturityContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GovernmentPublicFundsHeldByBankMember" id="rvsb_GovernmentPublicFundsHeldByBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ReclassificationAdjustmentLossOnSaleAvailableForSaleSecurities" id="rvsb_ReclassificationAdjustmentLossOnSaleAvailableForSaleSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="IncomeTaxEffectRelatedToLossOnSaleOfAvailableForSaleInvestmentSecurities" id="rvsb_IncomeTaxEffectRelatedToLossOnSaleOfAvailableForSaleInvestmentSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationDeductibleExpenseLifeInsurance" id="rvsb_EffectiveIncomeTaxRateReconciliationDeductibleExpenseLifeInsurance" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ProceedsFromSaleOfSharesInTradingAsset" id="rvsb_ProceedsFromSaleOfSharesInTradingAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ConversionOfSharesInTradingAsset" id="rvsb_ConversionOfSharesInTradingAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="September2024RepurchaseProgramMember" id="rvsb_September2024RepurchaseProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ImpairmentOfFederalHomeLoanBankStock" id="rvsb_ImpairmentOfFederalHomeLoanBankStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ProceedsFromPrepaymentsOfHeldToMaturitySecurities" id="rvsb_ProceedsFromPrepaymentsOfHeldToMaturitySecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfLoansInProcessOfSecuringNewContractsToImproveRevenue" id="rvsb_NumberOfLoansInProcessOfSecuringNewContractsToImproveRevenue" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LoansAndLeasesReceivableInProcessOfSecuringNewContractsToImproveRevenue" id="rvsb_LoansAndLeasesReceivableInProcessOfSecuringNewContractsToImproveRevenue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansAndLeasesReceivableFullyGuaranteedSbaOrUsdaLoans" id="rvsb_LoansAndLeasesReceivableFullyGuaranteedSbaOrUsdaLoans" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="April2025RepurchaseProgramMember" id="rvsb_April2025RepurchaseProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FinancingReceivableExcludingAccruedInterestRevolving1" id="rvsb_FinancingReceivableExcludingAccruedInterestRevolving1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ReductionInLegalFeesFromSettlement" id="rvsb_ReductionInLegalFeesFromSettlement" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LossContingencyReceivableProceedsRecognizedInNonInterestIncome" id="rvsb_LossContingencyReceivableProceedsRecognizedInNonInterestIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NumberOfRealEstateOwnedProperties" id="rvsb_NumberOfRealEstateOwnedProperties" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationDeductibleExpenseLifeInsuranceAmount" id="rvsb_EffectiveIncomeTaxRateReconciliationDeductibleExpenseLifeInsuranceAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TransferOfSecuritiesFromHeldToMaturityToAvailableForSale" id="rvsb_TransferOfSecuritiesFromHeldToMaturityToAvailableForSale" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
