Carver Federal Savings Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Carver Federal Savings Bank (FDIC Cert #30394) at 99/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

What separates this from a plain credit rating is the geographic weighting — Carver Federal Savings Bank's 99/100 reading reflects not just its balance sheet but the 3 counties it lends into, so the score doubles as a map of where its stress will land first. Because Carver Federal Savings Bank is held under Carver Bcorp Inc, its financials are open to scrutiny and its trend can be independently checked. DLRadar maps Carver Federal Savings Bank into 3 counties (176 ZIP codes) across 1 states — a compact, single-state lending base. It concentrates most in New York (3 counties). The value is in the linkage: Carver Federal Savings Bank's severe reading is mapped onto 176 ZIP codes and 3 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Its lending reaches counties such as New York County, NY, Queens County, NY, Kings County, NY, each tied back to DLRadar's distress signals. Because Carver Federal Savings Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 99/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Read against its 3-county reach, a severe score sets the credit tone for every market on its map. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Carver Federal Savings Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.