Carver State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.34 percentage points higher than in Q1 2026, at 202.03%. Within Georgia, Carver State Bank is 79th of 121 on return on assets, 1.35% as of Q2 2026, below the middle of the field. Carver State Bank reported 1.35% on return on assets for Q2 2026, 0.10 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.99% |
| Equity capital to assets | 15.19% |
| Tangible equity to tangible assets | 15.19% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.30% |
| Net charge-off ratio | 0.52% |
| Texas ratio | 1.88% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 202.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 9.13% |
| Net interest margin | 4.68% |
| Efficiency ratio | 73.75% |
| Yield on earning assets | 6.12% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.62% |
| Core deposits to total deposits | 69.36% |
| Brokered deposits to total deposits | 25.72% |
| Deposits to assets | 83.67% |
| Securities to assets | 33.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.85% | 1.56% | 6.15% | 1.70% | 1.48% |
| Q4 2023 | 18.23% | 2.36% | 5.93% | 2.28% | -0.01% |
| Q1 2024 | 18.38% | 0.70% | 5.00% | 3.67% | 2.15% |
| Q2 2024 | 18.41% | 1.34% | 5.32% | 2.06% | 0.33% |
| Q3 2024 | 18.05% | 2.48% | 4.99% | 2.30% | -0.01% |
| Q4 2024 | 16.33% | -0.55% | 4.24% | 2.58% | 0.06% |
| Q1 2025 | 15.74% | 1.24% | 4.67% | 1.91% | 0.90% |
| Q2 2025 | 15.70% | 1.39% | 3.89% | 2.80% | 0.24% |
| Q3 2025 | 16.01% | 1.89% | 4.38% | 0.92% | 0.08% |
| Q4 2025 | 14.07% | -2.38% | 4.21% | 0.56% | 1.47% |
| Q1 2026 | 14.31% | 0.65% | 3.93% | 0.76% | 1.92% |
| Q2 2026 | 14.99% | 1.35% | 4.68% | 0.63% | 0.52% |
Carver State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Carver State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16584) · FFIEC NIC profile (RSSD 370833)