CARVER STATE BANK

SAVANNAH, GA | Small | Est. Jan. 1, 1927, midnight | FDIC #16584 | RSSD #370833 | FDIC
Latest Report: 2025-12-31

CARVER STATE BANK is asn small FDIC-insured commercial bank headquartered in SAVANNAH, GA, established in Jan. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $98M. Profitability stands at -2.41% ROA and -16.08% ROE, with a net interest margin of 4.34%. The bank's CET1 capital ratio is 14.25%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.29% and a Texas Ratio of 3.00%. FDIC Certificate #16584.

Assets

$117M

Deposits

$98M

Loans

$45M

Equity

$17M

Profitability

Return on Assets (ROA) -2.41%
Return on Equity (ROE) -16.08%
Net Interest Margin (NIM) 4.34%
Yield on Assets 5.89%
Cost of Funds 1.72%

Asset Quality

NPL Ratio 0.29%
Net Charge-Off Ratio 0.68%
Texas Ratio 3.00%
NPA Ratio 0.45%
ACL / Loans 1.93%

Capital & Liquidity

CET1 Ratio 14.25%
Tier 1 Capital 14.25%
Total Capital Ratio 14.96%
Leverage Ratio 14.07%
Loan-to-Deposit 46.36%

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