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Carver Federal Savings Bank
New York, NY · FDIC Certificate #30394 · Chartered 01/0
Total assets
$658.05M
Total deposits
$580.61M
Total equity
$47.26M
Net loans
$545.70M
Branches (offices)
7
Net income (YTD)
-$2.45M
Rank: #1,439 of 4,213 U.S. banks by assets · #67 of 115 in New York. Assets changed -8.4% and deposits -11.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.72% |
| Return on equity | -10.10% |
| Net interest margin (YTD) | 3.53% |
| Equity to assets | 7.18% |
| Tier 1 leverage ratio | 8.73% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 3.46% |
| Net charge-offs (share of loans) | 0.21% |
| Loans to deposits | 94.0% |
| Real estate loans (share of loans) | 89.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $486.21M | 89.1% | |
| Commercial & industrial | $39.95M | 7.3% | |
| Consumer / individual | $25.10M | 4.6% | |
| Construction & development | $4.90M | 0.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $691.04M | $598.34M | -$65.00K | $66.06M |
| Jun 2023 | $712.83M | $604.91M | -$1.64M | $59.73M |
| Jun 2024 | $748.90M | $647.38M | -$888.00K | $58.59M |
| Jun 2025 | $718.46M | $653.30M | -$3.69M | $51.69M |
| Jun 2026 | $658.05M | $580.61M | -$2.45M | $47.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $580.61M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $580.61M.
Similar-sized banks
Bank Of Oak Ridge ($658.11M) · Homeland Federal Savings Bank ($657.84M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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