BlastPoint's Banking Scorecard
Carver State Bank
Micro
Specialty: Commercial
GA
FDIC cert 16584
Designations: ✓ Community bank
Savannah, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Carver State Bank shows strong momentum with 2 strengths and 10.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.06% below tier
- + Non-Interest-Bearing Deposit Share 14.37% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$118.1M
+10.7% YoY
+4.4% QoQ
|
-$99.4M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$44.6M
+6.9% YoY
-1.4% QoQ
|
-$94.6M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$98.1M
+10.5% YoY
+5.1% QoQ
|
-$85.5M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.95%
+1.2% YoY
-37.0% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.36%
-12.6% YoY
-0.5% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
79.00%
+10.8% YoY
+16.3% QoQ
|
+11.27% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.30%
-87.4% YoY
-54.8% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
45.46%
-3.3% YoY
-6.2% QoQ
|
-29.06% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.77%
+38.4% YoY
+10.9% QoQ
|
+14.37% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-67.0% YoY
-33.3% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.49%
-28.1% YoY
-1.1% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
45.46%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.77%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.46% · Tier avg: 74.53%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.77% · Tier avg: 22.39%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
28
28th pctile
Total Assets
Current: $118.1M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.1M · Tier avg: $183.7M
22
22th pctile
Efficiency Ratio
Current: 79.00% · Tier avg: 67.73%
17
17th pctile
Total Loans
Current: $44.6M · Tier avg: $139.2M
Top Weaknesses
17
17th pctile
Total Loans
Current: $44.6M · Tier avg: $139.2M
22
22th pctile
Efficiency Ratio
Current: 79.00% · Tier avg: 67.73%
28
28th pctile
Total Deposits
Current: $98.1M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $118.1M · Tier avg: $217.5M
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.77% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 45.46% · Tier avg: 74.53%