Carver Federal Savings Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which fell 2.8% to -$47.1M. On CET1 ratio, Carver Federal Savings Bank is 2nd from the bottom among 82 New York banks, 10.41% (Q2 2026). Carver Federal Savings Bank reported 10.41% on CET1 ratio for Q2 2026, 4.67 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.41% |
| Tier 1 risk-based capital ratio | 10.41% |
| Total risk-based capital ratio | 11.42% |
| Tier 1 leverage ratio | 8.73% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $58.2M |
| Tier 1 capital | $58.2M |
| Total risk-based capital | $63.9M |
| Total equity capital | $47.3M |
| Risk-weighted assets | $559.2M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.18% |
| Tangible equity to tangible assets | 7.18% |
| Equity capital to average assets | 7.09% |
| Internal capital growth rate | -10.49% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $105.3M |
| Retained earnings | -$47.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.95% | 11.95% | 12.96% | 9.90% | $601.8M |
| Q4 2023 | 11.72% | 11.72% | 12.69% | 9.77% | $618.4M |
| Q1 2024 | 12.00% | 12.00% | 12.98% | 9.56% | $609.3M |
| Q2 2024 | 11.67% | 11.67% | 12.66% | 9.53% | $613.1M |
| Q3 2024 | 11.74% | 11.74% | 12.78% | 9.48% | $607.4M |
| Q4 2024 | 11.13% | 11.13% | 12.14% | 9.03% | $604.1M |
| Q1 2025 | 10.50% | 10.50% | 11.56% | 8.70% | $611.6M |
| Q2 2025 | 10.51% | 10.51% | 11.58% | 8.82% | $604.1M |
| Q3 2025 | 10.39% | 10.39% | 11.44% | 8.70% | $593.5M |
| Q4 2025 | 10.32% | 10.32% | 11.34% | 8.64% | $587.8M |
| Q1 2026 | 10.50% | 10.50% | 11.54% | 8.67% | $566.3M |
| Q2 2026 | 10.41% | 10.41% | 11.42% | 8.73% | $559.2M |
Carver Federal Savings Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver Federal Savings Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Carver Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30394) · FFIEC NIC profile (RSSD 268677)