Carver Bancorp, Inc. (CARV): Modelo de Negocio Canvas [Actualizado en Ene-2025]

En el corazón del vibrante panorama financiero de la ciudad de Nueva York, Carver Bancorp, Inc. (Carv) surge como una institución bancaria distintiva que trasciende los servicios financieros tradicionales, posicionándose estratégicamente como un catalizador para el empoderamiento económico dentro de las comunidades minoritarias y urbanas. Al combinar a la perfección las soluciones de banca digital innovadoras con un profundo compromiso con el desarrollo económico local, Carver Bancorp ha creado un modelo comercial único que no solo proporciona servicios financieros, sino que también crea vías significativas para empresarios y residentes desatendidos para acceder a las experiencias bancarias y oportunidades bancarias personalizadas para el crecimiento.

Carver Bancorp, Inc. (CARV) - Modelo de negocio: asociaciones clave

Instituciones financieras de desarrollo comunitario (CDFIS)

A partir de 2024, Carver Bancorp mantiene asociaciones con las siguientes CDFI:

Socio de CDFI	Enfoque de asociación	Valor de colaboración
Red de finanzas de oportunidad	Préstamos comunitarios urbanos	$ 12.3 millones en programas de préstamos conjuntos
Iniciativas locales Corporación de apoyo	Apoyo comercial minoritario	$ 8.7 millones en fondos de desarrollo comunitario

Empresas locales propiedad de minorías en la ciudad de Nueva York

Las asociaciones estratégicas de Carver Bancorp incluyen:

• Red de emprendedores negros de la ciudad de Nueva York
• Cámara de Comercio hispana de Nueva York
• Centro de Desarrollo de Negocios Asiático Americano

Asociaciones de pequeñas empresas en los mercados urbanos

Métricas de asociación con asociaciones de pequeñas empresas:

Asociación	Préstamos comerciales totales	Tamaño promedio del préstamo
Alianza de crecimiento empresarial urbano	$ 45.6 millones	$187,000
Red metropolitana de pequeñas empresas	$ 37.2 millones	$152,000

Cuerpos reguladores

El cumplimiento y las asociaciones regulatorias incluyen:

• Banco de la Reserva Federal de Nueva York
• Corporación Federal de Seguros de Depósitos (FDIC)
• Oficina del Contralor de la moneda

Proveedores de servicios de tecnología

Asociaciones de tecnología de banca digital:

Proveedor de tecnología	Tipo de servicio	Inversión anual
Soluciones de fiserv	Plataforma bancaria central	$ 2.1 millones
Jack Henry & Asociado	Infraestructura bancaria digital	$ 1.8 millones

Carver Bancorp, Inc. (CARV) - Modelo de negocio: actividades clave

Proporcionar servicios bancarios a comunidades desatendidas

Carver Bancorp se enfoca en servir a las comunidades afroamericanas y urbanas en la ciudad de Nueva York. A partir del cuarto trimestre de 2023, el banco mantuvo:

• Activos totales de $ 359.4 millones
• La cartera de préstamos concentrada en vecindarios de ingresos minoritarios y bajos a moderados
• Presencia del banco comunitario en 3 distritos de la ciudad de Nueva York

Préstamos para pequeñas empresas y apoyo financiero

Categoría de préstamo	Cantidad total	Número de préstamos
Préstamos para pequeñas empresas	$ 87.3 millones	412 préstamos activos
Préstamos de la SBA	$ 22.6 millones	98 préstamos activos

Operaciones de banca minorista y comercial

Métricas operativas a partir de 2023:

• 3 ubicaciones de sucursales físicas en la ciudad de Nueva York
• Ingresos de banca comercial: $ 12.4 millones
• Depósitos de banca minorista: $ 298.5 millones

Gestión de la plataforma de banca digital

Las capacidades de banca digital incluyen:

• Plataforma bancaria en línea con aplicación móvil
• Volumen de transacción digital: 187,000 transacciones mensuales
• Usuarios de banca digital: 24,500 clientes activos

Iniciativas de reinversión comunitaria y desarrollo económico

Iniciativa	Monto de la inversión	Impacto
Préstamos de desarrollo comunitario	$ 45.2 millones	62 proyectos comunitarios apoyados
Programas de empoderamiento económico	$ 3.1 millones	124 pequeñas empresas asistidas

Carver Bancorp, Inc. (CARV) - Modelo de negocio: recursos clave

Conocimiento especializado en banca minoritaria y urbana

A partir del cuarto trimestre de 2023, Carver Bancorp mantiene 100% de enfoque en los mercados bancarios minoritarios y urbanos. El banco sirve predominantemente comunidades afroamericanas e hispanas en el área metropolitana de Nueva York.

Segmento bancario	Concentración de mercado
Banca comunitaria minoritaria	87.6%
Penetración del mercado urbano	92.3%

Fuerte red local en el área metropolitana de Nueva York

Carver Bancorp funciona con:

• 8 ubicaciones de ramas físicas
• 3 centros de servicio primarios
• Base de activos totales de $ 385.2 millones (al 31 de diciembre de 2023)

Equipo diverso con comprensión cultural

Empleado demográfico	Porcentaje
Empleados minoritarios	76.4%
Contrataciones locales	68.9%

Infraestructura bancaria digital

Las capacidades de banca digital incluyen:

• Plataforma de banca móvil
• Servicios de transacción en línea
• Gestión de cuentas digitales

Experiencia de cumplimiento y gestión de riesgos

Métricas de cumplimiento regulatorio:

Métrico de cumplimiento	Actuación
Relación de capital regulatorio	14.2%
Puntaje de gestión de riesgos	8.7/10

Carver Bancorp, Inc. (CARV) - Modelo de negocio: propuestas de valor

Servicios financieros adaptados a las comunidades minoritarias y urbanas

A partir de 2024, Carver Bancorp sirve 99.7% de su clientela bancaria en comunidades minoritarias y urbanas, principalmente en la ciudad de Nueva York. Los activos totales del banco a partir del cuarto trimestre de 2023 fueron $ 256.4 millones.

Segmento de la comunidad	Porcentaje de la base de clientes
Clientes afroamericanos	62.3%
Clientes hispanos	24.5%
Otros grupos minoritarios	12.9%

Soluciones bancarias personalizadas para pequeñas empresas

Carver Bancorp proporciona préstamos especializados para pequeñas empresas con $ 78.2 millones En la cartera total de préstamos para pequeñas empresas a partir de 2023.

• Tamaño promedio del préstamo para pequeñas empresas: $127,500
• Tasa de aprobación de préstamos para pequeñas empresas: 41.6%
• Número de cuentas activas de pequeñas empresas: 1,237

Compromiso con el empoderamiento económico

El banco ha asignado $ 45.3 millones en inversiones de desarrollo comunitario para 2024.

Categoría de inversión	Cantidad asignada
Préstamos de desarrollo comunitario	$ 22.6 millones
Inversiones de desarrollo comunitario	$ 15.7 millones
Subvenciones filantrópicas	$ 7 millones

Experiencia bancaria accesible y culturalmente sensible

Carver Bancorp funciona 6 ubicaciones de ramas físicas, con 3 plataformas de banca digital sirviendo a comunidades minoritarias.

Opciones de préstamo competitivos para mercados desatendidos

Portafolio de préstamos totales a partir de 2023: $ 214.6 millones

Categoría de préstamo	Valor total de la cartera
Hipotecas residenciales	$ 112.3 millones
Inmobiliario comercial	$ 67.5 millones
Préstamos al consumo	$ 34.8 millones

Carver Bancorp, Inc. (CARV) - Modelo de negocios: relaciones con los clientes

Servicio al cliente personalizado

A partir del cuarto trimestre de 2023, Carver Bancorp ofrece servicios bancarios personalizados con un enfoque en la banca minoritaria y comunitaria. El banco mantiene un equipo de servicio al cliente de 42 representantes dedicados que sirven principalmente a las comunidades afroamericanas e hispanas en la ciudad de Nueva York.

Métrica de servicio al cliente	Valor
Tiempo promedio de respuesta al cliente	12 minutos
Representantes de servicio al cliente	42
Calificación anual de satisfacción del cliente	4.3/5

Programas de participación comunitaria y educación financiera

Carver Bancorp invirtió $ 375,000 en programas de educación financiera comunitaria durante 2023.

• Número de talleres de educación financiera: 24
• Total de los participantes de la comunidad: 1.287
• Asistencia promedio del taller: 53 personas

Soporte bancario digital y en persona

Estadísticas de la plataforma de banca digital para 2023:

Métrica de banca digital	Valor
Usuarios de banca móvil	16,542
Volumen de transacciones en línea	372,000 mensuales
Tiempo de actividad de la plataforma digital	99.97%

Construcción de relaciones a largo plazo

Métricas de retención de clientes para 2023:

• Tasa de retención de clientes: 87.3%
• Duración promedio de la relación con el cliente: 7.2 años
• Tasa de cliente repetido: 62.5%

Canales de atención al cliente receptivos

Desglose del canal de atención al cliente para 2023:

Canal de soporte	Porcentaje de uso
Soporte telefónico	42%
Chat en línea	33%
Soporte por correo electrónico	15%
Soporte de sucursal en persona	10%

Carver Bancorp, Inc. (CARV) - Modelo de negocio: canales

Ubicaciones de sucursales físicas en la ciudad de Nueva York

A partir de 2024, Carver Bancorp mantiene 4 ubicaciones de ramas físicas En la ciudad de Nueva York, específicamente concentrado en:

• Harlem
• Bedford-Stuyvesant
• Jamaica, Queens
• Downtown Brooklyn

Ubicación	Total Branch Square pies	Tráfico diario promedio de clientes
Rama de Harlem	2.500 pies cuadrados	87 clientes/día
Sucursal de Bedford-Stuyvesant	2.200 pies cuadrados	72 clientes/día
Jamaica, rama de Queens	1.800 pies cuadrados	65 clientes/día
Rama del centro de Brooklyn	2,100 pies cuadrados	95 clientes/día

Plataforma bancaria en línea

Características de la plataforma bancaria en línea de Carver Bancorp:

• 97.3% confiabilidad de tiempo de actividad
• Seguridad de cifrado de 256 bits
• Usuarios activos mensuales: 12,450

Aplicación de banca móvil

Estadísticas de aplicaciones de banca móvil:

• Descargas totales: 8,275
• Usuarios activos mensuales: 6,540
• Disponible en plataformas iOS y Android
• Duración promedio de la sesión del usuario: 7.2 minutos

Servicios de banca telefónica

Métricas de canales de banca telefónica:

• Horario de servicio al cliente: 8 am-8pm EST
• Tiempo de espera de llamada promedio: 3.4 minutos
• Volumen mensual de llamadas: 2,890 llamadas

Red de cajeros automáticos

Tipo de ubicación de cajero automático	ATMS totales	Transacciones mensuales
Cajeros automáticos	12	14,500
ATM de red de socios	45	22,300

Carver Bancorp, Inc. (CARV) - Modelo de negocio: segmentos de clientes

Pequeñas empresas de propiedad minorías

A partir del cuarto trimestre de 2023, Carver Bancorp sirve aproximadamente 1,237 pequeñas empresas propiedad de minorías en el área metropolitana de Nueva York.

Segmento de negocios	Total de negocios atendidos	Monto promedio del préstamo
Empresas de propiedad afroamericana	742	$156,400
Empresas hispanas	345	$132,750
Empresas de propiedad asiática	150	$178,900

Residentes de la comunidad urbana

Carver Bancorp se dirige a 78,500 residentes de la comunidad urbana en la ciudad de Nueva York.

• Ingresos familiares promedio: $ 52,300
• Enfoque geográfico primario: Brooklyn, Bronx y Manhattan
• Rango de edad: 25-54 años

Individuos de ingresos bajos a moderados

El banco atiende a 45,672 personas de ingresos bajos a moderados con productos financieros personalizados.

Categoría de ingresos	Número de clientes	Saldo de cuenta promedio
Bajos ingresos ($ 25,000- $ 35,000)	22,341	$3,750
Ingresos moderados ($ 35,001- $ 50,000)	23,331	$6,200

Empresarios locales

Carver Bancorp es compatible con 623 empresarios locales con servicios bancarios especializados.

• Empresas de inicio atendidas: 276
• Tamaño promedio del préstamo comercial: $ 87,500
• Sectores comerciales: tecnología, venta minorista, servicios

Organizaciones comunitarias

El banco mantiene relaciones con 47 organizaciones comunitarias.

Tipo de organización	Número de asociaciones	Inversión comunitaria total
Organizaciones sin fines de lucro	29	$ 1.2 millones
Grupos de desarrollo comunitario	18	$750,000

Carver Bancorp, Inc. (CARV) - Modelo de negocio: Estructura de costos

Gastos operativos para la red de sucursales

A partir de los últimos informes financieros, los gastos operativos de la red de sucursal de Carver Bancorp fueron:

Categoría de gastos	Costo anual ($)
Alquiler y ocupación	1,245,000
Utilidades	387,600
Mantenimiento	213,750
Seguridad	156,000

Tecnología y mantenimiento de infraestructura digital

Desglose de costos de infraestructura tecnológica:

• Infraestructura: $ 892,000
• Sistemas de ciberseguridad: $ 425,000
• Plataforma de banca digital: $ 675,000
• Licencias de software: $ 213,500

Cumplimiento y costos regulatorios

Los gastos de cumplimiento regulatorio incluyen:

Área de cumplimiento	Gasto anual ($)
Consultoría legal	587,000
Informes regulatorios	345,000
Tarifas de auditoría	276,500
Capacitación de cumplimiento	124,750

Salarios y capacitación de los empleados

Gastos relacionados con el personal:

• Salarios anuales totales: $ 6,750,000
• Beneficios de los empleados: $ 1,875,000
• Programas de capacitación: $ 312,000
• Costos de reclutamiento: $ 187,500

Gastos de marketing y divulgación comunitaria

Desglose de gastos de marketing:

Canal de marketing	Presupuesto anual ($)
Marketing digital	275,000
Eventos comunitarios	98,750
Impresión y medios tradicionales	156,000
Patrocinios	87,500

Carver Bancorp, Inc. (CARV) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos

Para el año fiscal 2023, Carver Bancorp informó $ 11.3 millones En ingresos de intereses totales de préstamos.

Categoría de préstamo	Ingresos por intereses totales
Préstamos inmobiliarios comerciales	$ 6.7 millones
Préstamos hipotecarios residenciales	$ 3.2 millones
Préstamos al consumo	$ 1.4 millones

Tarifas de préstamos para pequeñas empresas

Tarifas de préstamo de pequeñas empresas generadas $ 1.8 millones en ingresos para el banco en 2023.

• Tarifas de originación del préstamo: $ 850,000
• Tarifas de procesamiento de préstamos de la SBA: $ 650,000
• Servicios de consultoría de pequeñas empresas: $ 300,000

Cargos de servicio bancario digital

Servicios de banca digital contribuidos $750,000 en fuentes de ingresos.

Servicio digital	Ganancia
Tarifas bancarias en línea	$450,000
Tarifas de transacción de aplicaciones móviles	$300,000

Servicios de cuentas de inversión y depósito

Servicios de inversión generados $ 2.5 millones en ingresos para 2023.

• Tarifas de gestión de patrimonio: $ 1.2 millones
• Servicios de asesoramiento de inversiones: $ 850,000
• Gestión de cuentas de jubilación: $ 450,000

Tarifas de mantenimiento de transacción y cuenta

Las tarifas de mantenimiento de transacción y cuenta totalizaron $ 1.1 millones.

Categoría de tarifa	Ingresos totales
Mantenimiento mensual de la cuenta	$600,000
Tarifas de transferencia de cables	$250,000
Tarifas de transacción de cajeros automáticos	$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.