Total Assets
$696M
Total balance-sheet footings
FDIC Cert #30394 · New York, New York · Est. 1948
Carver Federal Savings Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $696M
- Total assets
- F
- Health grade · At Risk
- -0.92%
- Return on assets
- 10.3%
- Tier 1 capital
Data updated July 2026
The verdict
Carver Federal Savings Bank earns a PlainBankData health grade of F (28/100), with well-capitalized at 10.32% Tier 1, -0.92% ROA, 123% efficiency ratio.
- #1,391
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 10.32%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Carver Federal Savings Bank's 28/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Carver Federal Savings Bank's composite health score
Tier 1 Capital Ratio (10.32%) 28/40
Return on Assets (ROA) (-0.92%) 0/25
Texas Ratio (58.18%) 0/20
Efficiency Ratio (123.13%) 0/15
28 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$585M
Customer-funded liabilities
Net Loans
$576M
Outstanding loan book
Net Income
$-6,574K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Carver Federal Savings Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Carver Federal Savings Bank's score of 28/100 falls in the highlighted band.
Carver Federal Savings Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Carver Federal Savings Bank's $696M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.32% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.32%
Texas Ratio
58.18%
Equity Capital
$50M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-0.92%
Return on Equity (ROE)
-12.71%
Efficiency Ratio
123.13%
What the numbers say about Carver Federal Savings Bank
Carver Federal Savings Bank is an FDIC-insured institution (Certificate #30394) headquartered in New York, New York, established in 1948. It holds $696M in total assets - 1,391st of 4,313 FDIC-insured banks, $585M in customer deposits, and $576M in net loans. Looking at capital strength, Tier 1 stands at 10.32%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 58.18%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of F (28/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within New York, Carver Federal Savings Bank ranks 68th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$36M
Interest Income
$4M
Non-Interest Income
$33M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Carver Federal Savings Bank reports a Texas Ratio of 58.18% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
58.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Carver Federal Savings Bank
Carver Federal Savings Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 58.18% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-6,574K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Carver Federal Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in New York by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Carver Federal Savings Bank (FDIC Cert #30394) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Manufacturers and Traders Trust CompanyBuffalo | $212.9B | A | 1.40% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
Frequently asked questions
What is Carver Federal Savings Bank's health grade?▼
Carver Federal Savings Bank receives a health grade of F (28/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is Carver Federal Savings Bank?▼
Carver Federal Savings Bank holds $696M in total assets and $585M in deposits, ranking 1,391st of 4,313 FDIC-insured banks by asset size. It is headquartered in New York, New York.
Is my money safe at Carver Federal Savings Bank?▼
Yes, deposits at Carver Federal Savings Bank (Certificate #30394) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Carver Federal Savings Bank's Tier 1 Capital Ratio?▼
Carver Federal Savings Bank has a Tier 1 Capital Ratio of 10.32%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Carver Federal Savings Bank?▼
Carver Federal Savings Bank has a Texas Ratio of 58.18%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Carver Federal Savings Bank?▼
Carver Federal Savings Bank has an Efficiency Ratio of 123.13%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Carver Federal Savings Bank's profile as a depositor or analyst.
- Carver Federal Savings Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Carver Federal Savings Bank against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.