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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

2664 banks in the $100M-$1B peer group nationally 51 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 1.9% in tier
  • - Capital Thin: Bottom 3.5% in tier
  • - Capital Constraint: Bottom 15.7% in tier
  • - Return on Assets 1.96% below tier average
  • - Efficiency Ratio 50.00% above tier average
  • - Delinquency Rate 2.74% above tier average
  • - Nonperforming Asset Ratio 2.36% above tier average
  • - Net Interest Margin 0.49% below tier average
Get updates when Carver Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $676.5M
-7.9% YoY -2.8% QoQ
+$290.4M $386.1M
+0.5% YoY
$19.3B
+17.3% YoY
$6.2B
+9.1% YoY
Top 13.8% in tier
Total Loans ? $556.7M
-8.3% YoY -3.3% QoQ
+$300.9M $255.7M
+1.1% YoY
$8.1B
+14.6% YoY
$3.2B
+10.8% YoY
Top 7.6% in tier
Total Deposits ? $590.0M
-11.7% YoY +0.9% QoQ
+$262.0M $328.0M
+0.1% YoY
$15.1B
+16.0% YoY
$4.8B
+8.2% YoY
Top 13.0% in tier
Return on Assets ? -0.69%
+57.4% YoY +25.1% QoQ
-1.96% 1.27%
+12.9% YoY
0.86%
+14.3% YoY
1.23%
+13.4% YoY
Bottom 1.4% in tier
Net Interest Margin ? 3.44%
+22.3% YoY +4.1% QoQ
-0.49% 3.93%
+6.0% YoY
3.45%
+7.0% YoY
3.89%
+5.7% YoY
28%
Efficiency Ratio ? 115.28%
-20.4% YoY -6.4% QoQ
+50.00% 65.29%
-4.5% YoY
69.17%
-3.6% YoY
66.95%
-4.1% YoY
Bottom 1.0% in tier
Delinquency Rate ? 3.63%
-12.3% YoY -35.5% QoQ
+2.74% 0.89%
+18.8% YoY
1.13%
+6.9% YoY
0.95%
+18.8% YoY
Bottom 4.0% in tier
Loan-to-Deposit Ratio ? 94.35%
+3.9% YoY -4.2% QoQ
+17.71% 76.64%
+0.8% YoY
77.98%
+0.4% YoY
76.70%
+0.9% YoY
16%
Non-Interest-Bearing Deposit Share ? 17.13%
+19.7% YoY -2.6% QoQ
-4.89% 22.02%
-1.0% YoY
21.94%
+1.2% YoY
22.01%
-1.2% YoY
32%
Nonperforming Asset Ratio ? 2.99%
-12.7% YoY -35.8% QoQ
+2.36% 0.64%
+19.7% YoY
0.73%
+4.5% YoY
0.67%
+19.3% YoY
Bottom 3.0% in tier
Tier 1 Capital Ratio ? 10.50%
-0.1% YoY +1.8% QoQ
-5.33% 15.83%
+1.5% YoY
24.83%
+10.8% YoY
17.06%
+0.8% YoY
16%
Non-Interest Income / Assets ? 0.19%
+69.7% YoY -69.0% QoQ
-0.09% 0.28%
+9.3% YoY
0.21%
+9.1% YoY
0.32%
+4.1% YoY
84%

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
#13 of 643 • Bottom 1.9% 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: 94.35%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk
#24 of 666 • Bottom 3.5% 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: 10.50%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Capital Constraint

risk
#18 of 108 • Bottom 15.7% 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: 94.35%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
Tier 1 Capital Ratio: 10.50%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
108 of 108 Community banks match · 148 nationally
↑ Growing +19 banks QoQ | QoQ rank improving

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

204
Total Loans
size
Value: $556.66M
Peer Median: $255.72M
#204 of 2664 Top 7.6% in $100M-$1B
348
Total Deposits
size
Value: $590.00M
Peer Median: $327.97M
#348 of 2664 Top 13.0% in $100M-$1B
368
Total Assets
size
Value: $676.45M
Peer Median: $386.08M
#368 of 2664 Top 13.8% in $100M-$1B
420
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#420 of 2664 Top 15.7% in $100M-$1B

Top Weaknesses (6 metrics)

2638
Efficiency Ratio
profitability
Value: 115.28%
Peer Median: 65.29%
#2638 of 2664 Bottom 1.0% in $100M-$1B
2628
Return on Assets
profitability
Value: -0.69%
Peer Median: 1.27%
#2628 of 2664 Bottom 1.4% in $100M-$1B
2585
Nonperforming Asset Ratio
credit_quality
Value: 2.99%
Peer Median: 0.64%
#2585 of 2664 Bottom 3.0% in $100M-$1B
2549
Delinquency Rate
credit_quality
Value: 3.63%
Peer Median: 0.89%
#2549 of 2654 Bottom 4.0% in $100M-$1B
2239
Loan-to-Deposit Ratio
liquidity
Value: 94.35%
Peer Median: 76.64%
#2239 of 2664 Bottom 16.0% in $100M-$1B
2230
Tier 1 Capital Ratio
capital
Value: 10.50%
Peer Median: 15.83%
#2230 of 2664 Bottom 16.3% in $100M-$1B
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