BlastPoint's Banking Scorecard

Carver Federal Savings Bank

$100M-$1B Specialty: Commercial NY FDIC cert 30394

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

New York, NY

7 branches across NY

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 48 in NY.
Deposits -11.1% year over year ($580.6M on the books).
Delinquency rate 3.50%.
Return on assets -0.72%.
Efficiency ratio 115.75% vs a 64.48% peer average.
Loan-to-deposit ratio 93.99% 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 48 in NY

View $100M-$1B leaderboard (NY) →

Carver Federal Savings Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.6% in tier
- Capital Thin: Bottom 2.9% in tier
- Capital Constraint: Bottom 16.8% in tier
- Return on Assets 2.05% below tier average
- Efficiency Ratio 51.27% above tier average
- Delinquency Rate 2.58% above tier average
- Nonperforming Asset Ratio 2.24% above tier average
- Net Interest Margin 0.46% below tier average

Get updates when Carver Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$658.1M -8.4% YoY -2.7% QoQ	+$271.5M	$386.6M +1.2% YoY	$19.3B +10.2% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$545.7M -8.9% YoY -2.0% QoQ	+$287.4M	$258.3M +1.7% YoY	$8.2B +12.4% YoY	$3.2B +9.4% YoY	Top 8.3% in tier
Total Deposits ?	$580.6M -11.1% YoY -1.6% QoQ	+$253.9M	$326.7M +0.7% YoY	$14.8B +8.7% YoY	$4.9B +7.3% YoY	Top 13.4% in tier
Return on Assets ?	-0.72% +28.5% YoY -5.4% QoQ	-2.05%	1.32% +10.8% YoY	0.94% +14.0% YoY	1.30% +12.1% YoY	Bottom 1.5% in tier
Net Interest Margin ?	3.53% +11.7% YoY +2.4% QoQ	-0.46%	3.99% +5.0% YoY	3.52% +6.2% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	115.75% -8.0% YoY +0.4% QoQ	+51.27%	64.48% -3.2% YoY	67.96% -1.8% YoY	70.05% +2.5% YoY	Bottom 1.1% in tier
Delinquency Rate ?	3.50% -18.3% YoY -3.6% QoQ	+2.58%	0.92% +15.7% YoY	1.19% +15.7% YoY	0.98% +16.3% YoY	Bottom 4.7% in tier
Loan-to-Deposit Ratio ?	93.99% +2.5% YoY -0.4% QoQ	+16.04%	77.95% +1.0% YoY	79.34% +1.1% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	17.40% +16.8% YoY +1.5% QoQ	-4.63%	22.03% -0.6% YoY	22.09% +0.6% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	2.91% -18.6% YoY -2.8% QoQ	+2.24%	0.67% +16.4% YoY	0.79% +14.5% YoY	0.69% +15.8% YoY	Bottom 3.6% in tier
Tier 1 Capital Ratio ?	10.41% -1.0% YoY -0.9% QoQ	-5.50%	15.91% +1.4% YoY	23.90% +5.3% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.40% +47.5% YoY +108.3% QoQ	-0.17%	0.57% +7.6% YoY	0.52% +23.2% YoY	0.66% +5.2% YoY	Top 14.9% in tier

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 (NY)	National Avg	Tier Percentile
Noninterest-Bearing	17.4% +2.5pp YoY +0.3pp QoQ	-4.7pp	22.1%	22.1%	22.2%	33%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
C&I	7.3% +0.3pp YoY +0.2pp QoQ	-4.2pp	11.6%	11.0%	12.5%	35%
CRE	72.3% +2.6pp YoY +1.9pp QoQ	+32.7pp	39.5%	46.2%	41.4%	94%
1-4 Family	16.8% -3.0pp YoY -2.2pp QoQ	-15.8pp	32.6%	36.6%	31.3%	23%
Consumer	4.6% +0.1pp YoY +0.1pp QoQ	+0.5pp	4.1%	5.1%	5.0%	75%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
CET1 Ratio	10.4% -0.1pp YoY -0.1pp QoQ	-8.4pp	18.8%	26.1%	19.7%	4%
Leverage Ratio	8.7% -0.1pp YoY +0.1pp QoQ	-3.4pp	12.2%	13.9%	12.6%	9%
Total Capital Ratio	11.4% -0.2pp YoY -0.1pp QoQ	-8.5pp	19.9%	27.2%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Full-Time Employees	96 -9 (-8.6%) YoY +4 (+4.3%) QoQ	+37	58	914	482	85%
Assets per Employee ($)	$6.9M +0.2% YoY -6.8% QoQ	-$664K	$7.5M	$14.8M	$8.8M	49%
Branch Count	7 0 YoY 0 QoQ	+2	4	27	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.1%	0.4%	n/a
Nonaccrual	3.5% -0.8pp YoY -0.1pp QoQ	+2.6pp	0.9%	1.3%	1.0%	96%
Allowance Coverage	0.29x +18.9% YoY +2.2% QoQ	-23.86x	24.15x	1.92x	20.23x	3%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
ROE	-10.1% +3.9pp YoY -0.5pp QoQ	-22.3pp	12.2%	7.9%	11.6%	1%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.8%	1.7%	49%
Net Income ($, YTD)	$-2451000.0 +33.6% YoY — QoQ	-$5.0M	$2.6M	$111.2M	$40.4M	1%

Get Full Access to Carver Federal Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Liquidity Strain

risk

#12 of 691 • Bottom 1.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.99%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Thin

risk

#20 of 661 • Bottom 2.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.41%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#19 of 107 • Bottom 16.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 93.99%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 10.41%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 (4 metrics)

220

Total Loans

size

Value: $545.70M

Peer Median: $258.35M

#220 of 2643 Top 8.3% in $100M-$1B

355

Total Deposits

size

Value: $580.61M

Peer Median: $326.73M

#355 of 2643 Top 13.4% in $100M-$1B

395

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#395 of 2643 Top 14.9% in $100M-$1B

398

Total Assets

size

Value: $658.05M

Peer Median: $386.57M

#398 of 2643 Top 15.0% in $100M-$1B

Top Weaknesses (6 metrics)

2615

Efficiency Ratio

profitability

Value: 115.75%

Peer Median: 64.48%

#2615 of 2643 Bottom 1.1% in $100M-$1B

2605

Return on Assets

profitability

Value: -0.72%

Peer Median: 1.32%

#2605 of 2643 Bottom 1.5% in $100M-$1B

2550

Nonperforming Asset Ratio

credit_quality

Value: 2.91%

Peer Median: 0.67%

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

2510

Delinquency Rate

credit_quality

Value: 3.50%

Peer Median: 0.92%

#2510 of 2633 Bottom 4.7% in $100M-$1B

2234

Tier 1 Capital Ratio

capital

Value: 10.41%

Peer Median: 15.91%

#2234 of 2643 Bottom 15.5% in $100M-$1B

2167

Loan-to-Deposit Ratio

liquidity

Value: 93.99%

Peer Median: 77.95%

#2167 of 2643 Bottom 18.0% in $100M-$1B