New York, NY · Cert 30394 · Carver Bcorp Inc.
State savings bank · OCC · 7 branches
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #89 of 151 inst. · $0.6B of $2921.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.83% | -1.61% | -1.01% | -1.02% | -0.92% | -0.69% | -0.72% | +29 bps | |
| Return on Equity | -4.80% | -10.61% | -22.21% | -14.00% | -14.17% | -12.71% | -9.59% | -10.10% | +390 bps | |
| Net Interest Margin | 3.31% | 2.97% | 2.67% | 3.05% | 3.13% | 3.23% | 3.28% | 3.41% | +36 bps | |
| Efficiency Ratio | 106.58% | 120.89% | 144.88% | 125.85% | 126.57% | 123.13% | 115.28% | 115.75% | -1,010 bps | |
| Non-Interest Burden | 3.56% | 3.70% | 4.07% | 3.98% | 4.11% | 4.11% | 3.90% | 4.07% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.98% | -5.82% | -3.17% | -4.06% | -6.49% | -4.89% | -7.94% | -8.41% | -434 bps | |
| Loan Growth (YoY) | 1.33% | -2.21% | -1.48% | -3.45% | -4.24% | -4.75% | -8.35% | -8.91% | -547 bps | |
| Deposit Growth (YoY) | 2.43% | -4.17% | 1.85% | 0.91% | -3.88% | -9.32% | -11.74% | -11.13% | -1,204 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.44% | 3.74% | 4.10% | 4.24% | 4.70% | 5.57% | 3.59% | 3.46% | -77 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.11% | 0.06% | 0.03% | 0.06% | 0.08% | 0.19% | 0.22% | +19 bps | |
| Allowance / Loans | 1.01% | 0.99% | 1.03% | 1.04% | 1.03% | 1.02% | 1.03% | 1.02% | -3 bps | |
| Allowance Coverage of NPLs | 0.3x | 0.3x | 0.3x | 0.2x | 0.2x | 0.2x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.48% | 9.03% | 8.70% | 8.82% | 8.70% | 8.64% | 8.67% | 8.73% | -9 bps | |
| Total Risk-Based Capital | 12.78% | 12.14% | 11.56% | 11.58% | 11.44% | 11.34% | 11.54% | 11.42% | -15 bps | |
| Equity / Assets | 8.04% | 7.41% | 7.12% | 7.19% | 7.21% | 7.16% | 7.17% | 7.18% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.13% | 94.72% | 91.80% | 92.65% | 93.77% | 99.48% | 95.33% | 94.95% | +231 bps | |
| Liquid Assets / Assets | 7.24% | 6.71% | 6.84% | 6.12% | 5.70% | 6.43% | 6.68% | 6.08% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 662% | 660% | 658% | n/a | n/a | |