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 (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 | -4.39% | -5.31% | 2.32% | 1.77% | 1.11% | -2.11% | -5.96% | -3.95% | -572 bps | |
| Return on Equity | -28.18% | -34.84% | 16.67% | 12.39% | 7.64% | -14.46% | -41.16% | -27.73% | -4,012 bps | |
| Net Interest Margin | 4.75% | 4.43% | 3.52% | 3.36% | 3.49% | 3.80% | 3.33% | 3.67% | +31 bps | |
| Efficiency Ratio | 168.65% | 211% | 78.63% | 81.60% | 88.21% | 128.39% | 275% | 157.87% | +7,627 bps | |
| Non-Interest Burden | 8.34% | 8.88% | 1.25% | 1.55% | 2.30% | 6.35% | 9.29% | 7.67% | +612 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 | 0.98% | 0.73% | 0.00% | 0.00% | 0.00% | 0.00% | 1.00% | 0.45% | +45 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 | |