Carver Federal Savings Bank
New York, NY · Cert 30394 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Carver Bcorp Inc.
State savings bank · OCC · 7 branches
Q2 2026
$658.1MAssets
$551.3MLoans
$580.6MDeposits
$47.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 52% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 15 of 31).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 31 of 31).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.74%
Rank 29 of 31
Net Interest Margin
3.41%
Rank 15 of 31
Efficiency Ratio
115.75%
Rank 28 of 31
Equity / Assets
7.18%
Rank 31 of 31
Non-interest income vs. expense
Unfavorable gap of $27.2M · efficiency ratio beats 13% of banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.74% | -0.02% | 0.39% | 0.84% | Beats 6% | 29 / 31 | | |
| Return on Equity | -10.37% | -0.19% | 2.57% | 5.72% | Beats 3% | 30 / 31 | | |
| Net Interest Margin | 3.41% | 2.51% | 3.30% | 3.85% | Beats 52% | 15 / 31 | | |
| Efficiency Ratio | 115.75% | 68.41% | 83.66% | 91.76% | Beats 13% | 28 / 31 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.46% | 0.18% | 0.47% | 2.65% | Beats 23% | 24 / 30 | | |
| Net Charge-Offs / Loans | 0.11% | n/a | n/a | 0.02% | Beats 17% | 26 / 30 | | |
| Capital |
| Tier 1 Capital Ratio | 10.41% | 13.24% | 15.54% | 26.77% | Beats 3% | 30 / 31 | | |
| Total Risk-Based Capital Ratio | 11.42% | 14.07% | 16.32% | 26.77% | Beats 3% | 30 / 31 | | |
| Equity / Assets | 7.18% | 10.38% | 13.26% | 17.83% | Beats 0% | 31 / 31 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.95% | 84.03% | 94.98% | 103.65% | 45th pctl | 17 / 31 | | |
| Loans / Assets | 83.78% | 61.61% | 75.31% | 83.78% | 74th pctl | 8 / 31 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |