Birmingham, AL · Cert 35314 · Carver Financial Corp.
State charter, non-member · FDIC · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
Market Position · Birmingham, AL · 2026 SOD (annual) · 0.0% share · #49 of 49 inst. · $0.0B of $53.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -7.91% | 2.32% | 1.23% | -0.19% | -11.67% | -5.96% | -1.89% | -312 bps | |
| Return on Equity | -9.46% | -53.86% | 16.67% | 8.47% | -1.25% | -77.57% | -41.16% | -13.63% | -2,210 bps | |
| Net Interest Margin | 5.20% | 4.27% | 3.52% | 3.39% | 3.58% | 4.32% | 3.33% | 3.90% | +51 bps | |
| Efficiency Ratio | 117.68% | 732% | 78.63% | 84.70% | 101.92% | 358% | 275% | 118.20% | +3,351 bps | |
| Non-Interest Burden | 6.61% | 11.87% | 1.25% | 1.91% | 3.74% | 18.21% | 9.29% | 5.77% | +386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.99% | 2.66% | 3.53% | 6.51% | 1.91% | 4.54% | -5.92% | -7.75% | -1,425 bps | |
| Loan Growth (YoY) | 0.78% | -1.43% | 3.63% | 0.50% | 3.98% | 1.60% | -7.42% | 0.68% | +19 bps | |
| Deposit Growth (YoY) | 30.87% | 7.40% | -0.96% | 1.16% | -2.29% | -0.08% | -4.50% | -5.79% | -694 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 4.06% | 3.86% | 10.21% | 10.33% | 10.43% | 10.55% | 9.48% | -73 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.54% | 1.52% | 1.45% | 1.57% | 1.63% | 1.65% | 1.48% | 1.33% | -24 bps | |
| Allowance Coverage of NPLs | n/a | 0.4x | 0.4x | 0.2x | 0.2x | 0.2x | 0.1x | 0.1x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.32% | 13.49% | 14.13% | 14.52% | 14.62% | 14.66% | 13.66% | 13.61% | -92 bps | |
| Total Risk-Based Capital | 24.28% | 22.87% | 21.58% | 23.70% | 23.48% | 23.71% | 21.37% | 19.80% | -390 bps | |
| Equity / Assets | 15.45% | 13.89% | 13.91% | 15.14% | 15.18% | 14.91% | 14.00% | 13.74% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.47% | 65.62% | 68.37% | 69.53% | 66.48% | 66.72% | 66.28% | 74.31% | +478 bps | |
| Liquid Assets / Assets | 28.20% | 22.43% | 18.35% | 20.48% | 18.21% | 17.88% | 19.55% | 12.79% | -769 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 163.62% | 159.55% | 171.94% | n/a | n/a | |