Carver Federal Savings Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 2.28% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. Below 2.50%, the bank's distributions are capped by rule. Filed figure: 2.28% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 9.25% +2.75 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $51.1M | 51,130 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,576 | RCOAA223 |
| Recomputed ratio | 9.25% | numerator / denominator | |
| Filed ratio | 9.25% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +2.75 pp | $15.2M | capital that could be lost first |
Tier 1 risk-based capital ratio 9.25% +1.25 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $51.1M | 51,130 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,576 | RCOAA223 |
| Recomputed ratio | 9.25% | numerator / denominator | |
| Filed ratio | 9.25% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +1.25 pp | $6.9M | capital that could be lost first |
Total risk-based capital ratio 10.28% +0.28 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $56.8M | 56,825 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $552.6M | 552,576 | RCOAA223 |
| Recomputed ratio | 10.28% | numerator / denominator | |
| Filed ratio | 10.28% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +0.28 pp | $1.6M | capital that could be lost first |
Tier 1 leverage ratio 7.74% +2.74 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $51.1M | 51,130 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $660.4M | 660,441 | RCOAA224 |
| Recomputed ratio | 7.74% | numerator / denominator | |
| Filed ratio | 7.74% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +2.74 pp | $18.1M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 105,793 | 105,293 | 105,293 | 105,293 | 105,293 | 105,293 | RCOAP742 |
| Retained earnings | (54,663) | (52,880) | (51,398) | (43,632) | (41,773) | (41,041) | RCOAKW00 |
| Accumulated other comprehensive income | (10,923) | (10,941) | (10,838) | (11,007) | (11,829) | (11,952) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 40,207 | 41,472 | 43,057 | 50,654 | 51,691 | 52,300 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,923 | 10,941 | 10,838 | 11,007 | 11,829 | 11,952 | P859 - P840 |
| Common equity Tier 1 capital | 51,130 | 52,413 | 53,895 | 61,661 | 63,520 | 64,252 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 51,130 | 52,413 | 53,895 | 61,661 | 63,520 | 64,252 | RCOA8274 |
| Tier 2 capital | 5,695 | 5,893 | 6,045 | 6,223 | 6,414 | 6,428 | RCOA5311 |
| Allowance includable in Tier 2 capital | 5,695 | 5,893 | 6,045 | 6,223 | 6,414 | 6,428 | RCOA5310 |
| Total capital | 56,825 | 58,306 | 59,940 | 67,884 | 69,934 | 70,680 | RCOA3792 |
| Total risk-weighted assets | 552,576 | 559,701 | 581,475 | 593,532 | 604,106 | 611,644 | RCOAA223 |
| Average total assets for the leverage ratio | 660,441 | 679,605 | 701,480 | 708,744 | 720,332 | 738,734 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $40.8M | $52K | 0.13% | 0.01% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $54.1M | $17.4M | 32.13% | 3.14% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $202.6M | $156.7M | 77.35% | 28.36% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $14.2M | $21.4M | 150.00% | 3.87% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $334.5M | $334.1M | 99.88% | 60.46% | RC-R Part II, item 4.d, 5.d |
| All other assets | $21.8M | $20.9M | 96.10% | 3.79% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.1M | $2.1M | 100.00% | 0.37% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $500 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $552.6M | ties to item 31 ($552.6M) |
|---|---|---|
| Risk-weighted assets before deductions | $552.6M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $552.6M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 9.25% | 9.25% | 10.28% | 7.74% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 9.36% | 9.36% | 10.42% | 7.71% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 9.27% | 9.27% | 10.31% | 7.68% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 10.39% | 10.39% | 11.44% | 8.70% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 10.51% | 10.51% | 11.58% | 8.82% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 10.50% | 10.50% | 11.56% | 8.70% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 11.13% | 11.13% | 12.14% | 9.03% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 11.74% | 11.74% | 12.78% | 9.48% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 11.67% | 11.67% | 12.66% | 9.53% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 12.00% | 12.00% | 12.98% | 9.56% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.72% | 11.72% | 12.69% | 9.77% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.95% | 11.95% | 12.96% | 9.90% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Carver Federal Savings Bank (this bank) | Risk-based | 9.25% | 9.25% | 10.28% | 7.74% | |
| Bankvista | $651.1M | Risk-based | 11.54% | 11.54% | 12.80% | 9.93% |
| First National Bank of Gillette | $651.9M | CBLR | NA | NA | NA | 14.93% |
| Milford Bank the | $652.0M | Risk-based | 14.36% | 14.36% | 15.51% | 9.94% |
| First Midwest Bank of Dexter | $652.0M | CBLR | NA | NA | NA | 10.97% |
| Farmers & Merchants Bank of Colby | $650.8M | CBLR | NA | NA | NA | 11.23% |
| Stockmens Bank | $650.8M | Risk-based | 11.01% | 11.01% | 12.27% | 10.63% |
| Northeast Georgia Bank | $650.6M | CBLR | NA | NA | NA | 13.41% |
| Citizens State Bank | $653.0M | Risk-based | 12.02% | 12.02% | 13.27% | 10.07% |
| Pacific Valley Bank | $653.3M | CBLR | NA | NA | NA | 12.60% |
| First Eagle Bank | $649.6M | CBLR | NA | NA | NA | 21.29% |
| Peer 25th percentile | 11.41% | 11.41% | 12.67% | 10.21% | ||
| Peer median | 11.78% | 11.78% | 13.03% | 11.10% | ||
| Peer 75th percentile | 12.61% | 12.61% | 13.83% | 13.21% | ||
| This bank's percentile | 0 | 0 | 0 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/268677/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.