BlastPoint's Banking Scorecard
Carver State Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Savannah, GA
2 branches across GA
Carver State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.50% above tier average
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.4% in tier
- - ROA 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$115.2M
+7.1% YoY
-1.6% QoQ
|
-$270.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.5% in tier |
| Total Loans ? |
$44.2M
+2.4% YoY
-0.9% QoQ
|
-$211.5M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.0% in tier |
| Total Deposits ? |
$97.2M
+8.6% YoY
-1.0% QoQ
|
-$230.8M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.7% in tier |
| Return on Assets ? |
0.65%
-47.3% YoY
+34.4% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.95%
-16.6% YoY
-9.3% QoQ
|
+0.02% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
83.94%
+15.8% YoY
+6.3% QoQ
|
+18.66% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate ? |
0.50%
-70.0% YoY
+67.4% QoQ
|
-0.39% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
45.50%
-5.7% YoY
+0.1% QoQ
|
-31.13% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 6.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.52%
+21.6% YoY
-3.4% QoQ
|
+13.50% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-56.1% YoY
+6.5% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
38% |
| Tier 1 Capital Ratio ? |
14.31%
-9.1% YoY
+1.7% QoQ
|
-1.52% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.10%
+161.8% YoY
-79.6% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
52% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.