Carver Federal Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Carver Federal Savings Bank spends more to run itself than most banks of its size. It reported $651 million in assets at June 30, 2026, down 9.3% from a year earlier. It loses about $0.77 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 116 cents to bring in each dollar of revenue, about double the median of 61 cents for banks its size.
It lost $1.3 million in the quarter. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.46% of loans, down from 4.24% a year earlier. Where it has less room is capital: it holds common equity equal to 9.25% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
As of June 30, 2026, Carver Federal Savings Bank reported a CET1 capital ratio of 9.25%, a return on assets of -0.77%, a nonperforming-loan ratio of 3.46% and a Texas ratio of 41.81%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 75 W 125th St, New York, NY 10027
- County
- New York
- Metro Area
- New York-Newark-Jersey City, NY-NJ
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1948
- Offices
- 7 domestic
- Employees (FTE)
- 96
- Domestic deposits
- $580.6M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- $597K
- Average total assets
- $660.4M
- Average total loans
- $545.5M
- Average interest-bearing deposits
- $502.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30394
- Fed RSSD
- 268677
- SEC CIK
- 1016178 → filed by CARVER BANCORP, INC.
- Website
- http://www.Carverbank.com →
- Parent Holding Company
- CARVER BANCORP, INC. (RSSD 2531245) · CARV
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Donald Felix | CEO | President and CEO |
| Christina L Maier | CFO | CFO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Carver Federal Savings Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Carver Federal Savings Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Carver Federal Savings Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Carver Federal Savings Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.25% | -0.77% | 3.46% | 41.81% | 3.55% |
| Q1 2026 | 9.36% | -0.69% | 3.59% | 42.85% | 3.41% |
| Q4 2025 | 9.27% | -0.59% | 5.57% | 66.28% | 3.53% |
| Q3 2025 | 10.39% | -1.05% | 4.70% | 49.20% | 3.27% |
| Q2 2025 | 10.51% | -0.41% | 4.21% | 44.29% | 3.44% |
| Q1 2025 | 10.50% | -1.60% | 4.10% | 42.98% | 2.73% |
| Q4 2024 | 11.13% | -2.19% | 3.74% | 37.97% | 1.92% |
| Q3 2024 | 11.74% | -0.67% | 2.78% | 31.98% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Carver Federal Savings Bank (main office) | New York , NY | 10027 | $284.8M |
| Bedford-Stuyvesant Branch | Brooklyn , NY | 11216 | $78.3M |
| Crown Heights Branch | Brooklyn , NY | 11225 | $71.6M |
| St. Albans Branch | Jamaica , NY | 11434 | $62.7M |
| Atlantic Terminal Branch | Brooklyn , NY | 11217 | $34.8M |
| Flatbush Branch | Brooklyn , NY | 11226 | $28.2M |
| Malcolm X Boulevard Branch | New York , NY | 10026 | $20.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 30, 2006 | Structure Change | Acquired Community Capital Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 1990 | Structure Change | Acquired Nassau Savings & Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 31, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1982 | Structure Change | Acquired Allied Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Carver Federal Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 4 against the institution (OCC, OCC (former OTS)); 1 against individuals associated with it
- May 14, 2025, OCC: Formal Agreement: Carver Federal Savings Bank
- May 24, 2016, OCC: Formal Agreement: Carver Federal Savings Bank
- February 7, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Carver Federal Savings Bank
- February 7, 2011, OCC (former OTS): Cease and Desist: Carver Federal Savings Bank
- Period: Most recent institution action May 14, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NY, rank 94 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 16 applications, 10 loans originated, $21.6M originated, across 2 states
- Period: Calendar year 2020. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $969K approved, $484K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Carver Federal Savings Bank
What are Carver Federal Savings Bank's total assets?
As of the Q2 2026 filing, Carver Federal Savings Bank reported total assets of $651.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Carver Federal Savings Bank headquartered?
Carver Federal Savings Bank is headquartered in New York, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Carver Federal Savings Bank founded?
Carver Federal Savings Bank was established in 1948, per the FDIC institution directory.
Is Carver Federal Savings Bank FDIC-insured?
Yes. Carver Federal Savings Bank is an FDIC-insured savings institution (FDIC Certificate #30394). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Carver Federal Savings Bank?
Carver Federal Savings Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Carver Federal Savings Bank's CET1 capital ratio?
Carver Federal Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 9.25% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Carver Federal Savings Bank operate?
Carver Federal Savings Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Carver Federal Savings Bank's Texas Ratio?
Carver Federal Savings Bank's Texas Ratio is 41.81% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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