Carver Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Brokered deposits to total deposits dropped 19.85 percentage points in Q2 2026, from 19.85% to 0.00%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Carver Federal Savings Bank is 3rd from the bottom among 105 New York banks, -0.76% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Carver Federal Savings Bank reported -0.76% on return on assets in Q2 2026, 2.02 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.41% |
| Tier 1 risk-based capital ratio | 10.41% |
| Total risk-based capital ratio | 11.42% |
| Tier 1 leverage ratio | 8.73% |
| Equity capital to assets | 7.18% |
| Tangible equity to tangible assets | 7.18% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.46% |
| Non-performing assets ratio | 2.91% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 36.23% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 29.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.76% |
| Return on equity | -10.62% |
| Net interest margin | 3.55% |
| Efficiency ratio | 116.21% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.67% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.95% |
| Core deposits to total deposits | 96.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.23% |
| Securities to assets | 6.56% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.95% | 11.95% | 12.96% | 9.90% | -0.47% |
| Q4 2023 | 11.72% | 11.72% | 12.69% | 9.77% | 0.30% |
| Q1 2024 | 12.00% | 12.00% | 12.98% | 9.56% | 0.36% |
| Q2 2024 | 11.67% | 11.67% | 12.66% | 9.53% | -0.84% |
| Q3 2024 | 11.74% | 11.74% | 12.78% | 9.48% | -0.67% |
| Q4 2024 | 11.13% | 11.13% | 12.14% | 9.03% | -2.19% |
| Q1 2025 | 10.50% | 10.50% | 11.56% | 8.70% | -1.60% |
| Q2 2025 | 10.51% | 10.51% | 11.58% | 8.82% | -0.41% |
| Q3 2025 | 10.39% | 10.39% | 11.44% | 8.70% | -1.05% |
| Q4 2025 | 10.32% | 10.32% | 11.34% | 8.64% | -0.58% |
| Q1 2026 | 10.50% | 10.50% | 11.54% | 8.67% | -0.69% |
| Q2 2026 | 10.41% | 10.41% | 11.42% | 8.73% | -0.76% |
Carver Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)