Carver Bancorp, Inc. (CARV): Business Model Canvas

Im Herzen der pulsierenden Finanzlandschaft von New York City entwickelt sich Carver Bancorp, Inc. (CARV) zu einem unverwechselbaren Bankinstitut, das über traditionelle Finanzdienstleistungen hinausgeht und sich strategisch als Katalysator für die wirtschaftliche Stärkung von Minderheiten und städtischen Gemeinschaften positioniert. Durch die nahtlose Verbindung innovativer digitaler Banklösungen mit einem starken Engagement für die lokale Wirtschaftsentwicklung hat Carver Bancorp ein einzigartiges Geschäftsmodell geschaffen, das nicht nur Finanzdienstleistungen anbietet, sondern auch sinnvolle Wege für unterversorgte Unternehmer und Einwohner schafft, um auf maßgeschneiderte Bankerlebnisse und Wachstumschancen zuzugreifen.

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Wichtige Partnerschaften

Community Development Financial Institutions (CDFIs)

Ab 2024 unterhält Carver Bancorp Partnerschaften mit den folgenden CDFIs:

CDFI-Partner	Partnerschaftsfokus	Wert der Zusammenarbeit
Opportunity Finance Netzwerk	Städtische Gemeinschaftskredite	12,3 Millionen US-Dollar an gemeinsamen Kreditprogrammen
Lokale Initiativen unterstützende Gesellschaft	Unterstützung von Minderheitenunternehmen	8,7 Millionen US-Dollar an Gemeinschaftsentwicklungsfonds

Lokale, von Minderheiten geführte Unternehmen in New York City

Zu den strategischen Partnerschaften von Carver Bancorp gehören:

• New York City Black Entrepreneurs Network
• Hispanische Handelskammer von New York
• Asiatisch-amerikanisches Geschäftsentwicklungszentrum

Kleinunternehmerverbände in städtischen Märkten

Partnerschaftskennzahlen mit Kleinunternehmensverbänden:

Verein	Gesamte Geschäftskredite	Durchschnittliche Kredithöhe
Allianz für städtisches Unternehmenswachstum	45,6 Millionen US-Dollar	$187,000
Metropolitan Small Business Network	37,2 Millionen US-Dollar	$152,000

Aufsichtsbehörden

Zu den Compliance- und Regulierungspartnerschaften gehören:

• Federal Reserve Bank von New York
• Federal Deposit Insurance Corporation (FDIC)
• Amt des Währungsprüfers

Technologiedienstleister

Partnerschaften im Bereich Digital-Banking-Technologie:

Technologieanbieter	Servicetyp	Jährliche Investition
Fiserv-Lösungen	Kernbankenplattform	2,1 Millionen US-Dollar
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	1,8 Millionen US-Dollar

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Hauptaktivitäten

Bereitstellung von Bankdienstleistungen für unterversorgte Gemeinden

Carver Bancorp konzentriert sich auf die Betreuung afroamerikanischer und städtischer Gemeinden in New York City. Zum vierten Quartal 2023 behauptete die Bank:

• Gesamtvermögen von 359,4 Millionen US-Dollar
• Das Kreditportfolio konzentriert sich auf Minderheitenviertel und Stadtteile mit niedrigem bis mittlerem Einkommen
• Gemeinschaftsbankpräsenz in drei Bezirken von New York City

Kredite und finanzielle Unterstützung für Kleinunternehmen

Kreditkategorie	Gesamtbetrag	Anzahl der Kredite
Kredite für kleine Unternehmen	87,3 Millionen US-Dollar	412 aktive Darlehen
SBA-Darlehen	22,6 Millionen US-Dollar	98 aktive Darlehen

Privat- und Geschäftsbankgeschäfte

Betriebskennzahlen ab 2023:

• 3 physische Niederlassungen in New York City
• Einnahmen aus dem Geschäftsbankgeschäft: 12,4 Millionen US-Dollar
• Privatkundeneinlagen: 298,5 Millionen US-Dollar

Verwaltung digitaler Bankplattformen

Zu den digitalen Banking-Funktionen gehören:

• Online-Banking-Plattform mit mobiler App
• Digitales Transaktionsvolumen: 187.000 monatliche Transaktionen
• Digital-Banking-Nutzer: 24.500 aktive Kunden

Initiativen zur Reinvestition der Gemeinschaft und zur wirtschaftlichen Entwicklung

Initiative	Investitionsbetrag	Auswirkungen
Gemeindeentwicklungsdarlehen	45,2 Millionen US-Dollar	62 Community-Projekte unterstützt
Programme zur wirtschaftlichen Stärkung	3,1 Millionen US-Dollar	124 kleine Unternehmen unterstützten

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Schlüsselressourcen

Spezialkenntnisse im Minderheiten- und Stadtbanking

Stand: 4. Quartal 2023, behauptet Carver Bancorp 100-prozentiger Fokus auf Minderheiten- und städtische Bankenmärkte. Die Bank betreut überwiegend afroamerikanische und hispanische Gemeinden im Großraum New York.

Bankensegment	Marktkonzentration
Minderheiten-Community-Banking	87.6%
Durchdringung städtischer Märkte	92.3%

Starkes lokales Netzwerk im Großraum New York

Carver Bancorp arbeitet mit:

• 8 physische Filialen
• 3 primäre Servicezentren
• Gesamtvermögensbasis von 385,2 Millionen US-Dollar (Stand 31. Dezember 2023)

Vielfältiges Team mit kulturellem Verständnis

Mitarbeiterdemografie	Prozentsatz
Mitarbeiter aus Minderheitengruppen	76.4%
Lokale Mitarbeiter	68.9%

Digitale Banking-Infrastruktur

Zu den digitalen Banking-Funktionen gehören:

• Mobile-Banking-Plattform
• Online-Transaktionsdienste
• Digitale Kontoverwaltung

Compliance- und Risikomanagement-Expertise

Kennzahlen zur Einhaltung gesetzlicher Vorschriften:

Compliance-Metrik	Leistung
Regulatorische Kapitalquote	14.2%
Risikomanagement-Score	8.7/10

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Wertversprechen

Auf Minderheiten und städtische Gemeinschaften zugeschnittene Finanzdienstleistungen

Ab 2024 dient Carver Bancorp 99.7% seiner Bankkunden in Minderheiten- und Stadtgemeinden, vor allem in New York City. Die Gesamtaktiva der Bank betrugen im vierten Quartal 2023 256,4 Millionen US-Dollar.

Community-Segment	Prozentsatz des Kundenstamms
Afroamerikanische Kunden	62.3%
Hispanische Kunden	24.5%
Andere Minderheitengruppen	12.9%

Personalisierte Banklösungen für kleine Unternehmen

Carver Bancorp bietet spezialisierte Kredite für Kleinunternehmen an 78,2 Millionen US-Dollar Gesamtkreditportfolio für Kleinunternehmen ab 2023.

• Durchschnittliche Kredithöhe für Kleinunternehmen: $127,500
• Genehmigungsquote für Kleinunternehmenskredite: 41.6%
• Anzahl aktiver Kleinunternehmenskonten: 1,237

Engagement für wirtschaftliche Stärkung

Die Bank hat zugeteilt 45,3 Millionen US-Dollar in kommunale Entwicklungsinvestitionen für 2024.

Anlagekategorie	Zugeteilter Betrag
Gemeindeentwicklungsdarlehen	22,6 Millionen US-Dollar
Investitionen in die Gemeindeentwicklung	15,7 Millionen US-Dollar
Philanthropische Zuschüsse	7 Millionen Dollar

Zugängliche und kulturell sensible Bankerfahrung

Carver Bancorp ist tätig 6 physische Filialen, mit 3 digitale Banking-Plattformen im Dienste von Minderheitengemeinschaften.

Wettbewerbsfähige Kreditoptionen für unterversorgte Märkte

Gesamtkreditportfolio ab 2023: 214,6 Millionen US-Dollar

Kreditkategorie	Gesamtwert des Portfolios
Wohnhypotheken	112,3 Millionen US-Dollar
Gewerbeimmobilien	67,5 Millionen US-Dollar
Verbraucherkredite	34,8 Millionen US-Dollar

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Ab dem vierten Quartal 2023 bietet Carver Bancorp personalisierte Bankdienstleistungen mit Schwerpunkt auf Minderheiten- und Community-basiertem Banking an. Die Bank verfügt über ein Kundendienstteam aus 42 engagierten Vertretern, die hauptsächlich afroamerikanische und hispanische Gemeinden in New York City betreuen.

Kundendienstmetrik	Wert
Durchschnittliche Reaktionszeit des Kunden	12 Minuten
Kundendienstmitarbeiter	42
Jährliche Bewertung der Kundenzufriedenheit	4.3/5

Community-Engagement- und Finanzbildungsprogramme

Carver Bancorp investierte im Jahr 2023 375.000 US-Dollar in kommunale Finanzkompetenzprogramme.

• Anzahl der Workshops zur Finanzbildung: 24
• Gesamtzahl der Community-Teilnehmer: 1.287
• Durchschnittliche Workshop-Teilnahme: 53 Personen

Digitale und persönliche Bankunterstützung

Statistiken zur digitalen Banking-Plattform für 2023:

Digital-Banking-Metrik	Wert
Mobile-Banking-Benutzer	16,542
Online-Transaktionsvolumen	372.000 monatlich
Betriebszeit der digitalen Plattform	99.97%

Langfristiger Beziehungsaufbau

Kennzahlen zur Kundenbindung für 2023:

• Kundenbindungsrate: 87,3 %
• Durchschnittliche Kundenbeziehungsdauer: 7,2 Jahre
• Stammkundenquote: 62,5 %

Reaktionsschnelle Kundenbetreuungskanäle

Aufschlüsselung der Kundensupportkanäle für 2023:

Support-Kanal	Nutzungsprozentsatz
Telefonsupport	42%
Online-Chat	33%
E-Mail-Support	15%
Persönlicher Filialsupport	10%

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Kanäle

Physische Filialen in New York City

Ab 2024 behauptet Carver Bancorp 4 physische Filialen in New York City, insbesondere konzentriert auf:

• Harlem
• Bedford-Stuyvesant
• Jamaika, Queens
• Innenstadt von Brooklyn

Standort	Total Branch Square Footage	Durchschnittlicher täglicher Kundenverkehr
Zweigstelle Harlem	2.500 Quadratfuß	87 Kunden/Tag
Zweigstelle Bedford-Stuyvesant	2.200 Quadratfuß	72 Kunden/Tag
Jamaika, Queens Branch	1.800 Quadratfuß	65 Kunden/Tag
Filiale in der Innenstadt von Brooklyn	2.100 Quadratfuß	95 Kunden/Tag

Online-Banking-Plattform

Die Online-Banking-Plattform von Carver Bancorp bietet:

• 97.3% Verfügbarkeitszuverlässigkeit
• 256-Bit-Verschlüsselungssicherheit
• Monatlich aktive Benutzer: 12,450

Mobile-Banking-Anwendung

Statistiken zu Mobile-Banking-Anwendungen:

• Downloads insgesamt: 8,275
• Monatlich aktive Benutzer: 6,540
• Verfügbar auf iOS- und Android-Plattformen
• Durchschnittliche Benutzersitzungsdauer: 7,2 Minuten

Telefon-Banking-Dienste

Kennzahlen zum Telefonbanking-Kanal:

• Kundendienstzeiten: 8:00–20:00 Uhr EST
• Durchschnittliche Anrufwartezeit: 3,4 Minuten
• Monatliches Anrufvolumen: 2.890 Anrufe

ATM-Netzwerk

Typ des Geldautomatenstandorts	Insgesamt Geldautomaten	Monatliche Transaktionen
Bankeigene Geldautomaten	12	14,500
Geldautomaten des Partnernetzwerks	45	22,300

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Kundensegmente

Kleinunternehmen in Minderheitenbesitz

Im vierten Quartal 2023 betreut Carver Bancorp etwa 1.237 Kleinunternehmen im Besitz von Minderheiten im Großraum New York.

Geschäftssegment	Gesamtzahl der bedienten Unternehmen	Durchschnittlicher Kreditbetrag
Unternehmen im Besitz von Afroamerikanern	742	$156,400
Unternehmen in hispanischem Besitz	345	$132,750
Unternehmen in asiatischem Besitz	150	$178,900

Bewohner städtischer Gemeinschaften

Carver Bancorp richtet sich an 78.500 Stadtbewohner in New York City.

• Mittleres Haushaltseinkommen: 52.300 $
• Hauptgeografischer Schwerpunkt: Brooklyn, Bronx und Manhattan
• Altersspanne: 25–54 Jahre

Personen mit niedrigem bis mittlerem Einkommen

Die Bank betreut 45.672 Personen mit niedrigem bis mittlerem Einkommen mit maßgeschneiderten Finanzprodukten.

Einkommenskategorie	Anzahl der Kunden	Durchschnittlicher Kontostand
Geringes Einkommen (25.000–35.000 US-Dollar)	22,341	$3,750
Mittleres Einkommen (35.001 bis 50.000 US-Dollar)	23,331	$6,200

Lokale Unternehmer

Carver Bancorp unterstützt 623 lokale Unternehmer mit spezialisierten Bankdienstleistungen.

• Betreute Startup-Unternehmen: 276
• Durchschnittliche Kredithöhe für Unternehmen: 87.500 $
• Branchen: Technologie, Einzelhandel, Dienstleistungen

Gemeinschaftsorganisationen

Die Bank unterhält Beziehungen zu 47 Gemeinschaftsorganisationen.

Organisationstyp	Anzahl der Partnerschaften	Gesamtinvestition der Gemeinschaft
Gemeinnützige Organisationen	29	1,2 Millionen US-Dollar
Community-Entwicklungsgruppen	18	$750,000

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Kostenstruktur

Betriebskosten für das Filialnetz

Zum Zeitpunkt der letzten Finanzberichterstattung betrugen die Betriebskosten des Filialnetzes von Carver Bancorp:

Ausgabenkategorie	Jährliche Kosten ($)
Miete und Belegung	1,245,000
Dienstprogramme	387,600
Wartung	213,750
Sicherheit	156,000

Wartung von Technologie und digitaler Infrastruktur

Aufschlüsselung der Kosten für die Technologieinfrastruktur:

• IT-Infrastruktur: 892.000 US-Dollar
• Cybersicherheitssysteme: 425.000 US-Dollar
• Digitale Banking-Plattform: 675.000 US-Dollar
• Softwarelizenz: 213.500 $

Compliance- und Regulierungskosten

Zu den Aufwendungen für die Einhaltung gesetzlicher Vorschriften gehören:

Compliance-Bereich	Jährliche Ausgaben ($)
Rechtsberatung	587,000
Regulatorische Berichterstattung	345,000
Prüfungsgebühren	276,500
Compliance-Schulung	124,750

Gehälter und Schulungen der Mitarbeiter

Personalbezogene Aufwendungen:

• Gesamtjahresgehalt: 6.750.000 US-Dollar
• Leistungen an Arbeitnehmer: 1.875.000 US-Dollar
• Schulungsprogramme: 312.000 $
• Rekrutierungskosten: 187.500 $

Ausgaben für Marketing und Öffentlichkeitsarbeit

Aufschlüsselung der Marketingausgaben:

Marketingkanal	Jahresbudget ($)
Digitales Marketing	275,000
Gemeinschaftsveranstaltungen	98,750
Print und traditionelle Medien	156,000
Patenschaften	87,500

Carver Bancorp, Inc. (CARV) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen

Für das Geschäftsjahr 2023 berichtete Carver Bancorp 11,3 Millionen US-Dollar an den gesamten Zinserträgen aus Darlehen.

Kreditkategorie	Gesamter Zinsertrag
Gewerbliche Immobilienkredite	6,7 Millionen US-Dollar
Hypothekendarlehen für Wohnimmobilien	3,2 Millionen US-Dollar
Verbraucherkredite	1,4 Millionen US-Dollar

Kreditgebühren für Kleinunternehmen

Es entstehen Kreditgebühren für Kleinunternehmen 1,8 Millionen US-Dollar Einnahmen der Bank im Jahr 2023.

• Kreditaufnahmegebühren: 850.000 $
• SBA-Darlehensbearbeitungsgebühren: 650.000 $
• Beratungsleistungen für Kleinunternehmen: 300.000 US-Dollar

Gebühren für digitale Bankdienstleistungen

Digitale Bankdienstleistungen trugen dazu bei $750,000 in Einnahmequellen.

Digitaler Service	Einnahmen
Online-Banking-Gebühren	$450,000
Transaktionsgebühren für mobile Apps	$300,000

Anlage- und Einlagenkontodienstleistungen

Wertpapierdienstleistungen generiert 2,5 Millionen Dollar Umsatz für 2023.

• Vermögensverwaltungsgebühren: 1,2 Millionen US-Dollar
• Anlageberatungsdienste: 850.000 $
• Verwaltung des Altersvorsorgekontos: 450.000 US-Dollar

Transaktions- und Kontoführungsgebühren

Die Transaktions- und Kontoführungsgebühren summierten sich 1,1 Millionen US-Dollar.

Gebührenkategorie	Gesamtumsatz
Monatliche Kontoführung	$600,000
Gebühren für Überweisungen	$250,000
Gebühren für Geldautomatentransaktionen	$250,000

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Value Propositions

You're focused on an institution whose value proposition is deeply rooted in its community mandate, which is rare in today's banking landscape. Carver Bancorp, Inc. offers specific, tangible benefits to its core customer base in New York City.

The primary value is financial empowerment for everyday New Yorkers and historically underserved communities. This is backed by a legacy dating back to its founding in 1948. The institution maintains a physical presence where larger banks often retreat; predominantly all of its seven branches are located in low- to moderate-income (LMI) neighborhoods in New York City, including Harlem.

Carver Bancorp, Inc. provides direct access to credit and savings products specifically in these LMI neighborhoods. This commitment to local access is a core differentiator against competitors with greater resources. The bank offers a suite of products for unbanked and underbanked consumers, branded as Carver Community Cash, which includes check cashing, wire transfers, and reloadable prepaid cards.

The commitment to mission-driven lending is quantified by specific actions. For instance, Carver Bancorp, Inc. closed a $25 million revolving unsecured long-term loan facility intended for deployment in decarbonization projects benefiting urban communities and for Minority/Women-owned Business Enterprises (MWBEs) through a bespoke corporate vendor financing program. As of March 31, 2025, no funds had been drawn from this facility. The total loan portfolio stood at $613.7 million at March 31, 2025.

The legacy of community impact is validated by consistent regulatory review. Carver Bancorp, Inc. achieved its seventh consecutive 'Outstanding' rating from the Office of the Comptroller of the Currency (OCC) following its most recent Community Reinvestment Act (CRA) examination in June 2025. This rating affirms excellent responsiveness to the needs of LMI communities through community development lending, investing, and service activities.

Here's a quick look at how these mission-critical metrics stack up as of late 2025:

Value Proposition Metric	Data Point	Date/Context
Institution Founding Year	1948	Legacy Date
Most Recent CRA Rating	Outstanding (7th Consecutive)	June 2025 Examination
Total Assets	$697.9 million	September 30, 2025
MWBE/Green Energy Facility Commitment	$25 million	Committed Facility
Employees	96	September 30, 2025

The bank's focus on its assessment area remains strong, with the OCC finding that the majority of its loans were made within that area during the June 2025 review. This contrasts with the prior exam finding that 90% of loans were within the assessment area. The institution remains a trusted, long-standing institution, serving as one of the largest African-American operated banks in the United States.

The value proposition is further supported by its operational structure:

• - Serves African-American communities in New York City.
• - Employs a workforce where nearly half are female and a majority are minorities.
• - Operates seven branches predominantly in LMI areas.
• - Loan-to-deposit ratio was 83.2% of total assets as of March 31, 2025.

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Customer Relationships

You're looking at how Carver Bancorp, Inc. keeps its customers close, which is really the core of its identity as a Community Development Financial Institution (CDFI) and one of the largest African-American managed banks in the United States.

Community-focused, high-touch banking model.

Carver Federal Savings Bank maintains its focus on underserved neighborhoods in New York City, operating branches in Harlem, Brooklyn, and Queens, while its online platform serves customers across nine states, from Massachusetts to Virginia, including Washington, D.C.. The bank's commitment to its assessment area is long-standing, evidenced by the 90% of its loans made within that area noted in its March 2022 Community Reinvestment Act (CRA) examination, which resulted in its sixth consecutive 'Outstanding' rating from the Office of the Comptroller of the Currency (OCC). This high-touch approach is supported by a relatively lean structure, reporting approximately $730.0 million in total assets and 109 employees as of March 31, 2025.

The reliance on relationship funding is clear in the deposit trends; deposits were up 7.8% in fiscal year 2024, funded by steady growth in retail and institutional deposits, with a notable 5-year decline in the brokered deposit component suggesting a strong relationship banking trend. To show you the scale of this commitment, Carver reinvests approximately more than 80 cents of every dollar on deposit back into local businesses, jobs, and development.

Relationship management for commercial and institutional deposit clients.

Carver Bancorp, Inc. actively cultivates relationships with institutional partners, which bolster its ability to serve the community. These mission-aligned institutional investors include J.P. Morgan and Wells Fargo. The bank also engages in strategic partnerships to enhance its capabilities, such as closing a $25 million credit facility with the New York Green Bank to deploy funds in decarbonization projects.

Here's a look at the composition of the loan portfolio as of March 31, 2025, which is the direct result of these client relationships:

Portfolio Metric	Amount / Percentage (as of March 31, 2025)
Total Loans Receivable	$613.7 million
Total Assets	$730.0 million
Loans Receivable as % of Total Assets	83.2%
Owner Occupied Commercial Real Estate Loans (part of Business Loans)	$110.9 million

Direct engagement through the Carver Community Development Corporation.

Carver Federal Savings Bank supports its mission through direct community investment programs. The Carver Corporate Contributions Program provides financial support to non-for-profit, charitable organizations within its footprint that focus on community development, financial education, workforce development, and small business development. Organizations must be a current customer of Carver Federal Savings Bank to apply for a grant, with only one grant per Carver's fiscal year awarded per organization.

Personalized service for complex CRE and business lending.

Carver Federal Savings Bank tailors its commercial offerings to meet specific client cash flow needs, focusing on local entrepreneurs and organizations. The bank provides revolving credit, working capital, and term loan facilities to small businesses generally having annual sales between approximately $1 million to $25 million. For smaller needs, the Small Business Microloan Program offers vital capital up to $50,000 with a low-fixed interest rate, contingent upon maintaining a Business Checking Account with Carver Bank.

The lending teams focus on originating loans secured primarily by commercial real estate, including multifamily, mixed-use, and owner-occupied properties, alongside general UCC-1 filings on Commercial & Industrial (C&I) loans. In fiscal year 2024, C&I lending grew by 7.0% and represented 9.7% of the gross loan portfolio, showing an increased focus on these business relationships.

You should note the bank also offers a suite of products for the underbanked, branded as Carver Community Cash, which includes check cashing, wire transfers, bill payment, reloadable prepaid cards, and money orders.

Finance: draft 13-week cash view by Friday.

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Channels

You're mapping out how Carver Bancorp, Inc. gets its value proposition-which is rooted in community-focused banking and access to capital-to its customer segments. The channels Carver Federal Savings Bank uses are a mix of traditional, localized presence and modern digital reach, reflecting its mission as one of the nation's largest African-American-operated banks.

The physical network is highly concentrated in its core market. Carver has seven full-service branches situated in historically low- to moderate-income neighborhoods across the Brooklyn, Manhattan, and Queens boroughs of New York City. The Bank's home office is at 75 West 125th Street, New York, New York 10027, while administrative offices are at 1825 Park Avenue, New York, New York 10034. This physical footprint is crucial for serving its local community, where the OCC noted 90% of Carver Federal's loans were made within its assessment area following the March 2022 CRA examination.

For broader reach, Carver leverages digital channels. The online banking platform allows for account opening across nine states and Washington, D.C.. This digital access supports core services like online account opening, online bill pay, and mobile banking. To support its lending officers and direct client servicing, Carver maintains a significant loan portfolio, with Total loans receivable at $613.7 million as of March 31, 2025. This portfolio includes a focus on commercial and multifamily mortgages, and business loans, with owner-occupied commercial real estate loans totaling $110.9 million at that same date.

Access to cash and basic transactions is augmented through physical and digital partnerships. Carver maintains 24/7 ATM Centers alongside its branches. Furthermore, customers gain access to more than 80,000 ATMs nationwide via partnerships with Allpoint, J.P. Morgan Chase, and Wells Fargo. This combination of local branches and extensive ATM access helps bridge the gap for consumers who might otherwise be underbanked.

Here is a quick look at the key channel metrics as of the latest reported data:

Channel Component	Metric/Data Point	Value/Count (As of March 31, 2025)
Physical Branch Network	Number of Full-Service Branches	7
Digital Reach	States with Online Account Opening Availability	9 states + Washington, D.C.
ATM Access	Nationwide Partnered ATM Network Size	More than 80,000
Lending Focus	Total Loans Receivable	$613.7 million
Lending Focus	Owner Occupied Commercial Real Estate Loans	$110.9 million

The bank's commitment to community development is also channeled through specific programs. For instance, Carver has a $25 million revolving unsecured long-term loan facility aimed at green energy projects and Minority and Women-owned Business Enterprises (MWBEs), though no funds had been drawn from this facility as of March 31, 2025. This shows a deliberate channel for deploying mission-aligned capital directly to specific business segments.

You should note that while the digital platform extends to nine states, the core deposit-gathering and lending activities remain heavily tied to the physical New York City footprint, where approximately 80 cents of every dollar deposited is reinvested back into the communities. Finance: draft the Q4 2025 customer interaction report detailing digital vs. branch transaction volume by Friday.

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Customer Segments

You're looking at the core of Carver Bancorp, Inc.'s strategy, which is deeply rooted in its designated role as a Community Development Financial Institution (CDFI) and Minority Depository Institution (MDI) in the New York metropolitan area. This focus dictates exactly who they aim to serve with their banking products.

The primary customer base is built around specific community demographics and business types that larger regional banks often overlook or under-serve. Carver Federal Savings Bank operates branches in Manhattan, Brooklyn, and Queens, keeping its physical presence centered where its mission is focused: expanding wealth-enhancing opportunities in underserved neighborhoods.

• African-American communities in New York City.
• Individuals residing in low- to moderate-income (LMI) neighborhoods.
• The bank achieved its sixth consecutive 'Outstanding' rating from the OCC for its Community Reinvestment Act performance, confirming its dedication to these segments.

For businesses, Carver Bancorp, Inc. targets small-to-mid-sized enterprises, with a specific commitment to Minority/Women-Owned Business Enterprises (MWBEs). This isn't just talk; they established a $25 million revolving unsecured long-term loan facility specifically for MWBEs, though no funds were drawn as of March 31, 2025. In the prior fiscal year (FY 2024), Commercial & Industrial (C&I) lending grew and made up 9.7% of the gross loan portfolio, showing engagement with local entrepreneurs.

The bank also caters to entities that support community infrastructure and development. This includes non-profit organizations and owners of multifamily properties, which aligns with their lending focus that includes multifamily real estate within the loan portfolio. They also serve institutional and governmental deposit clients, accepting deposits from governmental and quasi-governmental agencies. Their total deposit base grew by 2.3% to $661.8 million as of the fiscal year ended March 31, 2025.

Here's a quick look at the financial scale supporting these customer relationships as of the end of the 2025 fiscal year:

Financial Metric (As of March 31, 2025)	Amount	Context/Ratio
Total Assets	$730 million	Down 3.5% year-over-year
Total Deposits	$661.8 million	Up 2.3% year-over-year
Gross Loan Portfolio	$614 million	Declined modestly by $9.2 million
Net Interest Income (FY 2025)	$19.2 million	Down 15.0% year-over-year
Non-performing Assets	$24.6 million	Represented 3.38% of total assets

You should note that while the mission is clear, the bank is actively working to improve sustained earnings, as evidenced by the $13.7 million net loss reported for FY 2025. Finance: draft 13-week cash view by Friday.

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Cost Structure

You're looking at the cost side of Carver Bancorp, Inc.'s operations as of late 2025, which is heavily influenced by regulatory pressure and a higher rate environment. The overall cost base saw an increase, driven by several key areas.

Non-interest expense for Carver Bancorp, Inc. totaled $34.8 million for the fiscal year ended March 31, 2025, representing an 8.1% rise from the prior year's $32.2 million. This jump highlights the ongoing operational strain.

Here's a quick look at the major cost components for FY 2025:

Cost Component	FY 2025 Amount	Change/Context
Total Non-Interest Expense	$34.8 million	Up 8.1% year-over-year
Personnel Costs (Employee Compensation and Benefits)	$7.213 million	Increased compared to the prior year period
Interest Expense on Deposits (Increase)	$3.9 million	Increase for the twelve months ended March 31, 2025
State and Local Capital Tax Expenses	$164 thousand	Included in other non-interest expense

Personnel costs are a significant fixed component of the structure. Carver Bancorp, Inc. maintained a workforce of 109 employees as of March 31, 2025.

The cost structure is clearly feeling the weight of external mandates and market conditions:

• Personnel costs for the 109 employees were approximately $7.213 million for the fiscal year.
• Significant regulatory and compliance costs are embedded, particularly following the Formal Agreement with the OCC on May 14, 2025, which requires specific compliance enhancements.
• Other non-interest expense included higher legal costs associated with an activist shareholder.
• Net equipment expense was higher due to upgraded cybersecurity systems and increased hardware/software maintenance contracts.
• Security services at the branches contributed to higher other non-interest expense.

Interest expense on deposits was a major driver of the overall negative financial performance. The interest expense on deposits increased by $3.9 million for the twelve months ending March 31, 2025. This was primarily due to increases in the average balances of $32.7 million and average rates paid on certificates of deposit by 76 basis points.

Operating costs for maintaining the branch network and technology are reflected in the overall non-interest expense, contributing to an efficiency ratio of 156.5% for FY 2025. This ratio shows that operating costs significantly outpaced revenues.

• Net occupancy costs related to building expenses increased year-over-year.
• The high efficiency ratio of 156.5% signals that operating costs are a near-term risk to profitability.

Finance: draft 13-week cash view by Friday.

Carver Bancorp, Inc. (CARV) - Canvas Business Model: Revenue Streams

You're looking at how Carver Bancorp, Inc. actually brings in the money, which for a bank like this, boils down to interest earned versus fees charged. Honestly, the core driver remains the spread between what they earn on assets and what they pay out on liabilities.

The primary engine is Net Interest Income from loans and investments. For the fiscal year ending in 2025, this key metric landed at $19.2 million. This number reflects a 15.0% decrease from the prior year, largely because interest expense went up by $3.6 million. To give you the full picture of the interest side, the Total Interest Income for FY 2025 was $34.3 million.

Here's a quick look at the income components we have for the fiscal year ending March 31, 2025, and the most recent Trailing Twelve Months (TTM) total revenue:

Revenue Component	Amount (FY 2025 or TTM)
Total Revenue (TTM as of Sep 30, 2025)	$23.11 million
Net Interest Income (FY 2025)	$19.2 million
Total Interest Income (FY 2025)	$34.3 million
Non-Interest Income (FY 2025)	$3.1 million

The lending portfolio itself is where the interest income is generated. Carver Bancorp, Inc.'s loan portfolio, which stood at $614 million as of the end of FY 2025, is built primarily around Commercial Real Estate (CRE) and business loans. This focus on CRE and multifamily lending is central to their earning assets.

Beyond the interest spread, Carver Bancorp, Inc. generates Non-interest income from service charges and financial services fees. For FY 2025, this stream was significantly smaller, falling to $3.1 million, a 54% drop year-over-year. You should know that deposit account fees represent a significant portion of non-interest revenue. These fees specifically include service charges on deposit accounts, like ATM fees and NSF fees, plus fees earned from debit cards. For context, one filing noted 'Depository fees and charges' at $643 thousand, which gives you a sense of that component's scale within the total non-interest revenue.

If onboarding takes 14+ days, churn risk rises. Finance: draft 13-week cash view by Friday.