BlastPoint's Banking Scorecard

Carver State Bank

$100M-$1B Specialty: Commercial GA FDIC cert 16584

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Savannah, GA

2 branches across GA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in GA.
Deposits +2.5% year over year ($93.1M on the books).
Delinquency rate 0.37%.
Return on assets 1.00%.
Efficiency ratio 78.30% vs a 64.48% peer average.
Loan-to-deposit ratio 49.97% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in GA

View $100M-$1B leaderboard (GA) →

Carver State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.37% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 12.4% in tier
- Flatlined Growth: Bottom 47.5% in tier
- Efficiency Ratio 13.82% above tier average

Get updates when Carver State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$111.2M +1.3% YoY -3.4% QoQ	-$275.3M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Bottom 3.0% in tier
Total Loans ?	$46.5M +3.6% YoY +5.2% QoQ	-$211.8M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Bottom 2.2% in tier
Total Deposits ?	$93.1M +2.5% YoY -4.2% QoQ	-$233.7M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Bottom 3.6% in tier
Return on Assets ?	1.00% -23.9% YoY +53.7% QoQ	-0.32%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	4.36% -0.0% YoY +10.3% QoQ	+0.37%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	78.30% +10.4% YoY -6.7% QoQ	+13.82%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	16%
Delinquency Rate ?	0.37% -85.5% YoY -24.9% QoQ	-0.55%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	49.97% +1.1% YoY +9.8% QoQ	-27.98%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 8.4% in tier
Non-Interest-Bearing Deposit Share ?	33.71% +12.1% YoY -5.1% QoQ	+11.68%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 11.2% in tier
Nonperforming Asset Ratio ?	0.19% -87.4% YoY -61.4% QoQ	-0.48%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	14.99% -4.5% YoY +4.8% QoQ	-0.92%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.30% +15.2% YoY +202.5% QoQ	-0.26%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Noninterest-Bearing	33.7% +3.6pp YoY -1.8pp QoQ	+11.6pp	22.1%	26.2%	22.2%	89%
Brokered Deposits	25.7% -1.4pp YoY +1.1pp QoQ	+17.9pp	7.9%	7.5%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	16.1% -3.4pp YoY -2.5pp QoQ	+4.6pp	11.6%	9.7%	12.5%	79%
CRE	n/a	n/a	39.5%	48.9%	41.4%	n/a
1-4 Family	22.8% -3.3pp YoY -1.2pp QoQ	-9.8pp	32.6%	31.7%	31.3%	36%
Consumer	5.1% -1.0pp YoY -0.7pp QoQ	+1.0pp	4.1%	4.8%	5.0%	77%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	15.0% -0.7pp YoY +0.7pp QoQ	+2.8pp	12.2%	14.0%	12.6%	87%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	23 +2 (+9.5%) YoY 0 QoQ	-36	58	98	482	15%
Assets per Employee ($)	$4.8M -7.5% YoY -3.4% QoQ	-$2.7M	$7.5M	$7.5M	$8.8M	12%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	0.4% -2.2pp YoY -0.1pp QoQ	-0.6pp	0.9%	0.8%	1.0%	44%
Allowance Coverage	3.46x +277.4% YoY +14.9% QoQ	-20.70x	24.15x	38.10x	20.23x	62%
Net Charge-off Rate (YTD)	1.2% +0.6pp YoY -0.7pp QoQ	+1.1pp	0.1%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	6.8% -1.7pp YoY +2.3pp QoQ	-5.4pp	12.2%	13.6%	11.6%	20%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	33%
Net Income ($, YTD)	$573,000 -19.3% YoY — QoQ	-$2.0M	$2.6M	$6.6M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline

#39 of 307 • Bottom 12.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.00%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

Flatlined Growth

risk

#252 of 529 • Bottom 47.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.00%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

222

Loan-to-Deposit Ratio

liquidity

Value: 49.97%

Peer Median: 77.95%

#222 of 2643 Top 8.4% in $100M-$1B

296

Non-Interest-Bearing Deposit Share

funding

Value: 33.71%

Peer Median: 22.03%

#296 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (4 metrics)

2585

Total Loans

size

Value: $46.51M

Peer Median: $258.35M

#2585 of 2643 Bottom 2.2% in $100M-$1B

2565

Total Assets

size

Value: $111.23M

Peer Median: $386.57M

#2565 of 2643 Bottom 3.0% in $100M-$1B

2550

Total Deposits

size

Value: $93.07M

Peer Median: $326.73M

#2550 of 2643 Bottom 3.6% in $100M-$1B

2227

Efficiency Ratio

profitability

Value: 78.30%

Peer Median: 64.48%

#2227 of 2643 Bottom 15.8% in $100M-$1B