Carver Federal Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Carver Federal Savings Bank of New York, NY against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.76% | 1.35% | -2.11% | 2nd bottom |
| ROAE | -10.62% | 13.33% | -23.95% | 2nd bottom |
| Net Interest Margin | 3.55% | 3.93% | -0.38% | 29th below |
| Efficiency Ratio | 116.21% | 61.11% | +55.10% | 2nd bottom |
| PPNR / Avg Assets | -0.69% | 1.68% | -2.37% | 1st bottom |
| Yield on Earning Assets | 5.15% | 5.67% | -0.52% | 29th below |
| Cost of Funds | 1.67% | 1.88% | -0.21% | 58th above |
| Net Interest Spread | 3.10% | 3.32% | -0.22% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.46% | 0.94% | +2.52% | 5th bottom |
| NPA / Total Assets | 2.91% | 0.70% | +2.21% | 3rd bottom |
| NCO / Avg Loans | 0.24% | 0.16% | +0.08% | 11th bottom |
| ACL / Total Loans | 1.02% | 1.28% | -0.26% | 28th below |
| ACL / NPLs (Coverage) | 29.32% | 1539.73% | -1510.41% | 3rd bottom |
| Texas Ratio | 36.23% | 7.31% | +28.92% | 2nd bottom |
| Provision / NCO | 41.21% | 1396.80% | -1355.59% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.41% | 19.51% | -9.10% | 5th bottom |
| Tier 1 Ratio | 10.41% | 19.55% | -9.14% | 4th bottom |
| Total Capital Ratio | 11.42% | 20.63% | -9.21% | 4th bottom |
| Leverage Ratio | 8.73% | 12.14% | -3.41% | 9th bottom |
| Equity / Assets | 7.18% | 11.38% | -4.20% | 7th bottom |
| TCE / Tangible Assets | 7.18% | 11.10% | -3.92% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.95% | 80.63% | +14.32% | 19th bottom |
| Core Deposit Ratio | 96.62% | 86.85% | +9.77% | 91st top |
| Wholesale Funding Ratio | 3.23% | 5.03% | -1.80% | 53rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.41% | 6.86% | -15.27% | 2nd bottom |
| Loan Growth (Y/Y) | -8.91% | 7.91% | -16.82% | 3rd bottom |
| Deposit Growth (Y/Y) | -11.13% | 6.30% | -17.43% | 1st bottom |
See Carver Federal Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Carver Federal Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Carver Federal Savings Bank profile, how to read a UBPR, or how this data updates.