# CARVER FEDERAL SAVINGS BANK
NEW YORK, NY · FDIC certificate 30394 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $658.1M | |
| Deposits | $580.6M | |
| Loans and leases | $551.3M | |
| Total equity | $47.3M | |
| Loans / deposits | 93.99% (p79 of band) | 82.04% |
| Liquid assets / assets | 12.76% (p11 of band) | |
| Uninsured deposits / deposits | 21.48% (p34 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.23% (p49 of band) | |
| FHLB advances / assets | 0.18% | |
| Tier 1 leverage | 8.73% (p9 of band) | 10.81% |
| Unrealized securities loss / equity | -23.17% (p19 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | -0.72% (p1 of band) | 1.28% |
| Net interest margin | 3.53% (p29 of band) | 3.91% |
| Efficiency ratio | 115.75% (p99 of band) | |
| Noncurrent loans | 3.46% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | 0.18% (p90 of band) | |
| Reserve coverage of noncurrent | 29.32% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 10.37% (p15 of band) | |
| Auto loans | $936,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -11.1% | |
| Employees | 96 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | loans exceed deposits, brokered >10%, wholesale funding >15%, leverage <7%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 | expense ratio p90 | brokered >10%, leverage <7%, construction >100% equity |
| 2011-09 | 6 |  | loans exceed deposits |
| 2011-12 | 6 |  |  |
| 2012-03 | 7 | assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 8 | wholesale funding >15%, capital falling | assets shrinking |
| 2012-09 | 8 | assets shrinking | capital falling |
| 2012-12 | 6 |  | uninsured deposits leaving, assets shrinking |
| 2013-03 | 5 | deposits shrinking | losing money, charge-offs p90 |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 |  | deposits shrinking |
| 2014-03 | 6 | capital falling, losing money, charge-offs p90 | wholesale funding >15% |
| 2014-06 | 4 |  | noncurrent p90, charge-offs p90 |
| 2014-09 | 3 |  | capital falling |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | brokered >10%, wholesale funding >15%, charge-offs p90 | losing money |
| 2015-06 | 6 | losing money |  |
| 2015-09 | 7 | capital falling |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 7 | noncurrent p90 | charge-offs p90 |
| 2016-06 | 7 |  |  |
| 2016-09 | 6 | uninsured deposits leaving | capital falling, noncurrent p90 |
| 2016-12 | 7 | assets shrinking |  |
| 2017-03 | 7 |  |  |
| 2017-06 | 6 |  | assets shrinking |
| 2017-09 | 5 |  | uninsured deposits leaving |
| 2017-12 | 6 | assets shrinking |  |
| 2018-03 | 3 |  | expense ratio p90, losing money, assets shrinking |
| 2018-06 | 4 | noncurrent p90 |  |
| 2018-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 8 | expense ratio p90 |  |
| 2019-03 | 9 | losing money |  |
| 2019-06 | 8 |  | uninsured deposits leaving |
| 2019-09 | 6 |  | noncurrent p90, assets shrinking |
| 2019-12 | 6 | capital falling | wholesale funding >15% |
| 2020-03 | 5 |  | deposits shrinking |
| 2020-06 | 7 | wholesale funding >15%, noncurrent p90 |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 6 |  | wholesale funding >15% |
| 2021-03 | 4 |  | capital falling, noncurrent p90 |
| 2021-06 | 3 |  | brokered >10% |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | noncurrent p90 |  |
| 2022-03 | 3 |  | losing money |
| 2022-06 | 4 | losing money |  |
| 2022-09 | 7 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2022-12 | 6 |  | wholesale funding >15% |
| 2023-03 | 6 | deposits shrinking | brokered >10% |
| 2023-06 | 5 |  | deposits shrinking |
| 2023-09 | 5 | capital falling | uninsured deposits leaving |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | losing money |
| 2024-06 | 5 | losing money |  |
| 2024-09 | 6 | uninsured deposits leaving |  |
| 2024-12 | 7 | assets shrinking |  |
| 2025-03 | 5 |  | uninsured deposits leaving, assets shrinking |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 5 | assets shrinking |  |
| 2025-12 | 8 | brokered >10%, wholesale funding >15%, capital falling, deposits shrinking | assets shrinking |
| 2026-03 | 9 | charge-offs p90, assets shrinking | capital falling |
| 2026-06 | 7 |  | brokered >10%, wholesale funding >15% |

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

- 2026-03-16 [Carver Bancorp, Inc. Announces Agreement with Holders of Trust Preferred Securities to Cancel Interest in Exchange for Shares of Common Stock - PR Newswire](https://news.google.com/rss/articles/CBMioAJBVV95cUxPODN5Vmd0YnB0VlhmYVJYd25vQWxNSzhQa0FTNU5qRFo0RmI0Z3ZUVHdNanQwcmt6N1JKU1hGTU5KUEFJdDJjTWFyYTI0RE1YdTA4SDFCUk00WXg3T3h2Rm9fMTJqTnJRVWhhZDFKN0h6V20xcXBXZUtwenE5SzgzMDFFV2laWTZBbGluRkhwQkhETHQxeWlvQ0xPZkx2LUVLQ081U2pPUjQ4VVRsaktZVHJrXzh1bnVwdTJEMXdRSlZJVEZyMXhvTnROS3UwTVZxZmRTcTFHUFFmbGdkY3VuVnNJU0I1NE1GT0ZFTUNlSUJJekJzT1AzakpqeUZ1cmNfTDFJalFyYUFTREM5dUljeE5rX2pfSWNSN1ZqdWpjUjM?oc=5) · PR Newswire
- 2026-03-09 [Carver Bancorp, Inc. Provides Update on Engagement With Dream Chasers Capital Group - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOUUZJRE8tUEJEOEwwb202VkxkTUpudmhaRXA5UHRCU2JvZWdNRUVWVklnTWpMU2hzWGdhLUcwd1VhdjdpTlUySVRkWmNiaE42LW04V20yWl81OS1MWnRJLVNOUnExQVhwUUJWeVpDc29ySE5WSGhqWjh1N1hMWnJGMkFuel92eWc2U3hKYTZqWDVJQnRxdW42M3E3b0p0R2lFUF9nQTk4QWY0NmJyZkpVNFczMXBxbV9odV9VN1ZJOFJDbDNTTGZnRUtXZkZWX0VmeFow?oc=5) · PR Newswire
- 2025-10-20 [Executive at neighboring NYC bank bets on Carver turnaround - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQS3lXb0g4d1hCa2RLcklUdTljY2xJYV9tLXpVUHhMSkdraWYyWWhvSlBZZGg0ZFVQVUtsQVFLcTM2M2lDYlZoRDJzM0U5andONUNMTmFDZzJ0SW5iMkl6TXlsdEZSUGZFN282QmpQTENIT0FfOFlrek5JdDlpZTdTUzR6U3N6XzZNQTF5MzFuTmpiTHBRSndtMkhSVQ?oc=5) · American Banker
- 2021-02-18 [Sites of the Green Book: Carver Federal Savings Bank - National Trust for Historic Preservation](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQUV3UVh4RlBBWGM4YWN2cTRyTzJaeDJyZ094UGdIYTdfVnREeDVsNnZSSzlXc1ZvdVNSTWF1NF9OZk5tSnlkUnJIdDVjU0szQUs2am5ONUxHNlZpSEhXU1NlcFJNWnU3SElaelNOd3QzVmI0TGVheGcyZlpuRGxNNlMzLVdKdVlLUnZQUg?oc=5) · National Trust for Historic Preservation
- 2025-03-05 [Black-Owned Carver Federal Bank Is Betting on Microlending - Next City](https://news.google.com/rss/articles/CBMimAFBVV95cUxNQTVmTFQ1TVNjbjRNT0czUHRKQmY0dlBCM0FpTXlVQXRzeGZRUzN0R2VTa3hTTDJqR3lBZlZ6Tmw5UTM2d1dOcTZiZ3NCY0VwRHp1LTZHY0lUaUlpdDE2UTlFSkoxcG9ObktNbmJYNXJhNmNhbUdlYUJZMXp1THB5UUw3SmxFR0NIM3E4eWwwemVoclR0enNlWg?oc=5) · Next City
- 2026-03-23 [Carver Bancorp, Inc. Appoints Lisa Robinson Smith as Chief Financial Officer - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxQeGd4Y1pkZUIzaVFac2VCNVlUSjBXdFoxQ25aZmtuV3NtaERSU3RzS1ZnREIwNnRDeHc2R1QtRU15eW5SMDRPRUhfSWtJdW9CVDVTMG5HUURhNU4zSUpiWVF2R2xfelNfMHBBSDJxMVVPLWtXeW9NanVtUVZIbktxT2liTTd0S0gwR3ZtYWdCbmY5SGpFQUxRaVpfRWk1THcwMjY0bEl1dFdkYTExMk1UVmZpeDZHQmQ4UjRGUUN4NlY3U0NqRDFIcUF3?oc=5) · PR Newswire
- 2025-11-04 [Carver Bancorp Appoints Jason Sisack as Senior Enterprise Risk Management Advisor to the CEO - citybiz](https://news.google.com/rss/articles/CBMiywFBVV95cUxPYkllZ1l4djB1Z3p1M1c5ZDc1RHFVTUEtUkpkUVl4MnNZY3BHWW1TemlTN3o0X2dUcHpBUlo4YWVqZ1RGbTJ4bzZVVmNWMjJmVDJzT1F2NVE0YzgxZHJZN0JSaElOY1VKdjlMTFlzLTdBWkN3bXJWMVlLTHprS3Y2T1lWZ19lWnVFYjBlQlBZM18yQnZmU2lXeUcwNC12UXFJVTVQdDJHLXQzTFZYektfT3pHRmlST2tpRkw3SHRLZ0JKQzJHZnNrV0NCVQ?oc=5) · citybiz
- 2024-02-02 [Dive Deposits: Inside the ‘takeover attempt’ at a long-standing Black bank - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxQeEZqOHVqalhoeEFTc0IyWUZyQzJka1Vhc2xraGI2Uk9nbUhGN3VJQ3U5elBNQ0JHUzNVbS1BVGpUNldnbVpvMmtWMGs4eks2cUR4Z3V4SlJJT3pFVHVEd0x1a0pQYmRSblphcFVVakhyUWpZWG9FZEV1OVctR2E1WVpJbFpMc2xUNjRfSFlGN3lQWUU1M3JJOWdNZjR5Ykc2TjFz?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30394 (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/58.json (key "30394", 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