Carver Federal Savings Bank (FDIC #30394): Bank Stress & Real-Estate Credit Exposure
Carver Federal Savings Bank (FDIC Cert #30394): bank stress 99/100, severe, STABLE over 7 days; parent CARVER BCORP INC.
Carver Federal Savings Bank (#30394) lends in 3 counties across 1 state; Carver Federal Savings Bank (#30394) reaches 176 ZIP codes: New York 3 counties, 176 ZIPs.
Carver Federal Savings Bank (#30394) largest markets: New York County, NY (140 branches, 70 ZIPs) (#30394), Queens County, NY (68 branches, 68 ZIPs) (#30394), Kings County, NY (160 branches, 40 ZIPs) (#30394).
Carver Federal Savings Bank (#30394) reports $658.1 million in total assets; Carver Federal Savings Bank (#30394) equity $47.3 million (7.2% of Carver Federal Savings Bank (#30394) assets); Carver Federal Savings Bank (#30394) domestic deposits $580.6 million; Carver Federal Savings Bank (#30394) net income minus $2.5 million; Carver Federal Savings Bank (#30394) return on assets -0.72%; Carver Federal Savings Bank (#30394) return on equity -10.10%; Carver Federal Savings Bank (#30394) net interest income $11.4 million; Carver Federal Savings Bank (#30394) call report June 30, 2026.
Carver Federal Savings Bank (#30394) noncurrent real-estate loans: none reported; Carver Federal Savings Bank (#30394) net charge-offs on real estate 3.87%; Carver Federal Savings Bank (#30394) multifamily charge-offs 5.65%; Carver Federal Savings Bank (#30394) residential charge-offs 3.22%.
Carver Federal Savings Bank (#30394) net interest margin 3.53% against an eight-quarter Carver Federal Savings Bank (#30394) average of 3.25% (Carver Federal Savings Bank (#30394) compression -0.28 points); Carver Federal Savings Bank (#30394) non-residential real estate 322.3% of equity; Carver Federal Savings Bank (#30394) rate-exposure score 40/100, Carver Federal Savings Bank (#30394) fixed-rate trap 40/100; Carver Federal Savings Bank (#30394) risk type credit driven; Carver Federal Savings Bank (#30394) rate regime rates elevated, Carver Federal Savings Bank (#30394) snapshot October 19, 2026.
Carver Federal Savings Bank (#30394) stress score moved from 98.6 on June 22, 2026 to 99.3 on October 19, 2026; Carver Federal Savings Bank (#30394) ranged 98.6 to 99.3 over 116 snapshots.
Carver Federal Savings Bank (#30394) alerts: 3 counties; top Carver Federal Savings Bank (#30394) alert scores: New York County, NY 53 (elevated); Brooklyn County, NY 32 (low); Jamaica County, NY 32 (low).