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.
FDIC Call Report plate
Cert 30394 · NY F · 28/100
GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-F F (28/100)
- BOTTOM-DECILE #4275/4307
- PHOTO-FINISH BayFirst National Bank · FL
- TIER1-WELL 10.3% Tier 1
- TEXAS-WATCH 58.2% Texas
- ROA-LOSS -0.92% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside New York: BayFirst National Bank, FL (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Carver Federal Savings Bank
Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.
What Carver Federal Savings Bank's Call Report plate shows
Carver Federal Savings Bank (FDIC Cert #30394) carries a PlainBankData health grade of F at 28/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,275 of 4,307. Tier 1 capital prints at 10.32%, clearing the 10% well-capitalized line. The Texas Ratio is 58.18%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -0.92%. Balance-sheet scale is $696M, 1,391st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is BayFirst National Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Carver Federal Savings Bank
6 FAILURE resolutions in New York since 2000 (5 since 2008)
Carver Federal Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Carver Federal Savings Bank remains an active FDIC-insured reporter.
- SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
- USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
- THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
28 1st percentile higher than 1% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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 ratios for Carver Federal Savings Bank
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: Carver Federal Savings Bank
Return on Assets (ROA)
2nd percentile nationally
-0.92%
Return on Equity (ROE)
-12.71%
Efficiency Ratio
123.13%
Income & expense: loss period at Carver Federal Savings Bank
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($696M here), outside New York so the neighborhood is not state containment.
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.
Carver Federal Savings Bank Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |