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  <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="FinancingReceivableExcludingAccruedInterestRevolving1" id="rvsb_FinancingReceivableExcludingAccruedInterestRevolving1" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="January2026RepurchaseProgramMember" id="rvsb_January2026RepurchaseProgramMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
