Carver Federal Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.76 percentage points in Q2 2026, from 432.31% to 443.07%. It was the largest change from Q1 2026 among the key lines here. Within New York, Carver Federal Savings Bank is 27th of 105 on loan-to-deposit ratio, 94.95% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Carver Federal Savings Bank sits 14.11 points higher, at 94.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $551.3M |
| Net loans and leases | $545.7M |
| Loans held for sale | $0 |
| Loans to total assets | 83.78% |
| Loan-to-deposit ratio | 94.95% |
| Net loans to equity capital | 11.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.14% |
| Multifamily (5+ residential) | 22.49% |
| Commercial and industrial | 7.25% |
| Consumer | 4.55% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 443.07% |
| Construction concentration (Tier 1 capital + allowance) | 7.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.60% |
| Interest income on loans | $7.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $611.1M | $642.2M | 48.77% | 2.52% | 2.16% |
| Q4 2023 | $624.7M | $673.0M | 49.24% | 2.99% | 2.41% |
| Q1 2024 | $622.9M | $656.4M | 49.22% | 3.75% | 2.55% |
| Q2 2024 | $626.9M | $647.4M | 49.13% | 4.63% | 2.56% |
| Q3 2024 | $619.2M | $657.8M | 49.35% | 4.48% | 2.61% |
| Q4 2024 | $610.9M | $644.9M | 48.87% | 5.18% | 2.60% |
| Q1 2025 | $613.7M | $668.5M | 47.75% | 5.52% | 4.21% |
| Q2 2025 | $605.3M | $653.3M | 46.30% | 6.93% | 4.44% |
| Q3 2025 | $592.9M | $632.3M | 45.94% | 7.02% | 4.26% |
| Q4 2025 | $581.8M | $584.9M | 45.95% | 7.31% | 4.26% |
| Q1 2026 | $562.5M | $590.0M | 46.18% | 7.09% | 4.41% |
| Q2 2026 | $551.3M | $580.6M | 48.14% | 7.25% | 4.55% |
Carver Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver Federal Savings Bank, freeSource: Call Report Schedule RC-C, 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)