BlastPoint's Banking Scorecard
Carver Federal Savings Bank
Community
Specialty: Commercial
NY
FDIC cert 30394
New York, NY
1484
banks in Community tier nationally
50 in NY
View Community leaderboard (NY) →
Carver Federal Savings Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6% in Community
- - Deposit Outflow: Bottom 38% in Community
- - Capital Constraint: Bottom 41% in Community
- - Efficiency Drag: Bottom 63% in Community
- - Return on Assets 2.08% below tier
- - Delinquency Rate 5.00% above tier
- - Nonperforming Asset Ratio 4.17% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$695.9M
-4.9% YoY
-1.0% QoQ
|
-$695.5M |
$1.4B
+2.0% YoY
|
$17.4B
+10.0% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$575.9M
-4.8% YoY
-1.9% QoQ
|
-$399.6M |
$975.5M
+2.4% YoY
|
$7.7B
+9.6% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$584.9M
-9.3% YoY
-7.5% QoQ
|
-$579.8M |
$1.2B
+1.7% YoY
|
$13.4B
+9.3% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
-0.92%
-10.8% YoY
+10.5% QoQ
|
-2.08% |
1.16%
+17.2% YoY
|
0.81%
+24.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.31%
+7.4% YoY
+2.8% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.17%
+6.5% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
123.13%
+1.9% YoY
-2.7% QoQ
|
+60.50% |
62.63%
-5.3% YoY
|
69.92%
-4.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
5.63%
+49.2% YoY
+18.5% QoQ
|
+5.00% |
0.63%
+18.3% YoY
|
0.80%
-0.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
98.47%
+5.0% YoY
+6.1% QoQ
|
+15.40% |
83.06%
+0.3% YoY
|
82.25%
-0.1% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
17.59%
+8.5% YoY
+14.0% QoQ
|
-3.46% |
21.05%
-0.9% YoY
|
21.21%
-0.1% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
4.67%
+49.2% YoY
+17.4% QoQ
|
+4.17% |
0.50%
+20.3% YoY
|
0.51%
-4.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.32%
-7.3% YoY
-0.7% QoQ
|
+0.07% |
10.24%
-0.6% YoY
|
12.36%
-2.1% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.62%
+17.9% YoY
+45.8% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.84%
+34.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Liquidity Strain
risk
#32 of 513 · Bottom 6% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.47%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#94 of 248 · Bottom 38% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#20 of 47 · Bottom 41% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
98.47%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
10.32%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Efficiency Drag
risk
#96 of 152 · Bottom 63% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
123.13%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-0.92%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.63%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.67%
(Tier avg: 0.50%, National avg: 0.48%)
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
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
39
39th pctile
Total Loans
Current: $575.9M · Tier avg: $975.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.32% · Tier avg: 10.24%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
26
26th pctile
Total Assets
Current: $695.9M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $584.9M · Tier avg: $1.2B
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.47% · Tier avg: 83.06%
1
1th pctile
Return on Assets
Current: -0.92% · Tier avg: 1.16%
0
0th pctile
Efficiency Ratio
Current: 123.13% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 5.63% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.67% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.67% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.63% · Tier avg: 0.63%
0
0th pctile
Efficiency Ratio
Current: 123.13% · Tier avg: 62.63%
1
1th pctile
Return on Assets
Current: -0.92% · Tier avg: 1.16%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.47% · Tier avg: 83.06%
26
26th pctile
Total Deposits
Current: $584.9M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $695.9M · Tier avg: $1.4B
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.32% · Tier avg: 10.24%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.59% · Tier avg: 21.05%
39
39th pctile
Total Loans
Current: $575.9M · Tier avg: $975.5M
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%