Carver Federal Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Carver Federal Savings Bank is an FDIC-insured savings institution headquartered in New York, NY, established in 1948 (FDIC certificate 30394), and it is supervised by the OCC. At Q2 2026 it reported total assets of $651.5M, down 9.3% from Q2 2025, the 61st largest of 105 banks headquartered in New York. Its CET1 capital ratio was 9.25% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 30394
- Headquarters
- New York, NY
- Established
- 1948
- Total assets, Q2 2026
- $651.5M
- Assets vs Q2 2025
- -9.3%
- CET1 ratio, Q2 2026
- 9.25%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 226072498
- Latest call report
- Q2 2026, FFIEC 041 · Carver Federal Savings Bank call report
- Holding company
- CARVER BANCORP, INC.
- Asset rank in state
- 61st of 105 in New York
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%. The figures come from its call report filed with the FFIEC.
Of the 105 banks headquartered in New York, Carver Federal Savings Bank is the 61st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.7% to $651.5M, loans fell 2.0% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.9% of total loans, followed by multifamily loans at 22.5%. The FDIC Summary of Deposits lists 7 offices for it, in New York, NY, Brooklyn, NY and Jamaica, NY; its New York 2 offices book 53% of its branch deposits. By the capital ratios in its Q2 2026 call report, Carver Federal Savings Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 7 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Carver Federal Savings Bank's total assets ranged from $651.5M (Q2 2026) to $776.9M (Q4 2023), and it earned a profit in 2 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$651.5M total assets against $718.5M; $611.3M total liabilities against $666.8M.
$545.7M net loans and leases against $598.9M; $580.6M total deposits against $653.3M.
$43.2M securities against $45.5M; $40.8M cash and balances due against $43.8M.
$8.4M total interest income against $9.3M; $2.6M total interest expense against $3.3M.
$5.7M net interest income against $6.1M.
$1.3M total noninterest income against $1.1M; $8.2M total noninterest expense against $7.9M.
$125K provision for credit losses against -$25K.
-$1.3M net income against -$734K.
-0.77% return on assets against -0.41%; 3.55% net interest margin against 3.44%.
9.25% CET1 capital ratio against 10.51%; 7.74% tier 1 leverage ratio against 8.82%.
Inside the full Carver Federal Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 24 of 3,640, for Texas Ratio; its furthest is 2,131 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.19% (Q4 2024) to -0.41% (Q2 2025) and its net interest margin ran from 1.92% (Q4 2024) to 3.55% (Q2 2026).
| 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% | 4.24% | 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% | 3.44% | 31.98% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 176 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Carver Federal Savings Bank headquartered?
It is headquartered in New York, NY, United States.
When was Carver Federal Savings Bank founded?
It was established in 1948, per the FDIC institution directory.
Is Carver Federal Savings Bank FDIC-insured?
Yes. It 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.
What is Carver Federal Savings Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 41.81% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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