Carver Bancorp, Inc. (CARV): Business Model Canvas [Jan-2025 Mis à jour]

Au cœur du paysage financier dynamique de New York, Carver Bancorp, Inc. (CARV) apparaît comme une institution bancaire distinctive qui transcende les services financiers traditionnels, se positionnant stratégiquement comme un catalyseur de l'autonomisation économique au sein des communautés minoritaires et urbaines. En mélangeant de manière transparente des solutions bancaires numériques innovantes avec un engagement profond envers le développement économique local, Carver Bancorp a conçu un modèle commercial unique qui fournit non seulement des services financiers mais crée également des voies significatives pour les entrepreneurs et les résidents mal desservis pour accéder aux expériences bancaires adaptées et aux opportunités de croissance.

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: partenariats clés

Institutions financières du développement communautaire (CDFI)

En 2024, Carver Bancorp maintient des partenariats avec les CDFI suivants:

Partenaire CDFI	Focus de partenariat	Valeur de collaboration
Réseau de financement d'opportunités	Prêts communautaires urbains	12,3 millions de dollars dans des programmes de prêt conjoints
Corporation de soutien aux initiatives locales	Assistance commerciale minoritaire	8,7 millions de dollars en fonds de développement communautaire

Entreprises locales appartenant à des minorités à New York

Les partenariats stratégiques de Carver Bancorp comprennent:

• Réseau des entrepreneurs noirs de New York City
• Chambre de commerce hispanique de New York
• Centre de développement commercial asiatique américain

Associations de petites entreprises sur les marchés urbains

Partenariat paramètres avec les associations de petites entreprises:

Association	Prêts commerciaux totaux	Taille moyenne du prêt
Urban Business Growth Alliance	45,6 millions de dollars	$187,000
Réseau de petites entreprises métropolitaines	37,2 millions de dollars	$152,000

Organismes de réglementation

Les partenariats de conformité et de réglementation comprennent:

• Banque fédérale de la Réserve de New York
• Federal Deposit Insurance Corporation (FDIC)
• Bureau du contrôleur de la monnaie

Fournisseurs de services technologiques

Partenariats technologiques bancaires numériques:

Fournisseur de technologie	Type de service	Investissement annuel
Solutions Fiserv	Plateforme bancaire de base	2,1 millions de dollars
Jack Henry & Associés	Infrastructure bancaire numérique	1,8 million de dollars

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: Activités clés

Fournir des services bancaires aux communautés mal desservies

Carver Bancorp se concentre sur le service des communautés afro-américaines et urbaines à New York. Au quatrième trimestre 2023, la banque a maintenu:

• Actif total de 359,4 millions de dollars
• Portefeuille de prêts concentré dans les quartiers à revenu minoritaire et à faible modéré
• Présence de la banque communautaire dans 3 arrondissements de New York

Prêts aux petites entreprises et soutien financier

Catégorie de prêt	Montant total	Nombre de prêts
Prêts aux petites entreprises	87,3 millions de dollars	412 prêts actifs
Prêts SBA	22,6 millions de dollars	98 prêts actifs

Opérations de la banque de détail et commerciale

Mesures opérationnelles à partir de 2023:

• 3 emplacements de succursales physiques à New York
• Revenus bancaires commerciaux: 12,4 millions de dollars
• Dépôts bancaires au détail: 298,5 millions de dollars

Gestion de la plate-forme bancaire numérique

Les capacités bancaires numériques comprennent:

• Plateforme bancaire en ligne avec application mobile
• Volume de transaction numérique: 187 000 transactions mensuelles
• Utilisateurs de la banque numérique: 24 500 clients actifs

Initiatives de réinvestissement et de développement économique communautaire

Initiative	Montant d'investissement	Impact
Prêts de développement communautaire	45,2 millions de dollars	62 Projets communautaires soutenus
Programmes d'autonomisation économique	3,1 millions de dollars	124 petites entreprises aidées

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: Ressources clés

Connaissances spécialisées en banque minoritaire et urbaine

Depuis le quatrième trimestre 2023, Carver Bancorp maintient Focus à 100% sur les marchés bancaires minoritaires et urbains. La banque dessert à prédominance des communautés afro-américaines et hispaniques de la région métropolitaine de New York.

Segment bancaire	Concentration du marché
Banque communautaire minoritaire	87.6%
Pénétration du marché urbain	92.3%

Réseau local fort dans la région métropolitaine de New York

Carver Bancorp fonctionne avec:

• 8 emplacements de succursale physiques
• 3 centres de service primaires
• Base totale d'actifs de 385,2 millions de dollars (au 31 décembre 2023)

Équipe diversifiée avec compréhension culturelle

Employé démographique	Pourcentage
Employés des minorités	76.4%
Embauches locales	68.9%

Infrastructure bancaire numérique

Les capacités bancaires numériques comprennent:

• Plateforme de banque mobile
• Services de transaction en ligne
• Gestion du compte numérique

Expertise en matière de conformité et de gestion des risques

Métriques de la conformité réglementaire:

Métrique de conformité	Performance
Ratio de capital réglementaire	14.2%
Score de gestion des risques	8.7/10

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: propositions de valeur

Services financiers adaptés aux communautés minoritaires et urbaines

En 2024, Carver Bancorp sert 99.7% de sa clientèle bancaire dans les communautés minoritaires et urbaines, principalement à New York. Les actifs totaux de la banque au T4 2023 étaient 256,4 millions de dollars.

Segment communautaire	Pourcentage de clientèle
Clients afro-américains	62.3%
Clients hispaniques	24.5%
Autres groupes minoritaires	12.9%

Solutions bancaires personnalisées pour les petites entreprises

Carver Bancorp offre des prêts spécialisés en petites entreprises avec 78,2 millions de dollars dans le portefeuille total des prêts aux petites entreprises en 2023.

• Taille moyenne des prêts aux petites entreprises: $127,500
• Taux d'approbation des prêts aux petites entreprises: 41.6%
• Nombre de comptes de petites entreprises actifs: 1,237

Engagement envers l'autonomisation économique

La banque a alloué 45,3 millions de dollars dans les investissements du développement communautaire pour 2024.

Catégorie d'investissement	Montant alloué
Prêts de développement communautaire	22,6 millions de dollars
Investissements au développement communautaire	15,7 millions de dollars
Subventions philanthropiques	7 millions de dollars

Expérience bancaire accessible et culturellement sensible

Carver Bancorp fonctionne 6 emplacements de succursale physiques, avec 3 plateformes bancaires numériques servir les communautés minoritaires.

Options de prêt compétitives pour les marchés mal desservis

Portfolio de prêt total à partir de 2023: 214,6 millions de dollars

Catégorie de prêt	Valeur totale du portefeuille
Hypothèques résidentielles	112,3 millions de dollars
Immobilier commercial	67,5 millions de dollars
Prêts à la consommation	34,8 millions de dollars

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: Relations clients

Service client personnalisé

Depuis le quatrième trimestre 2023, Carver Bancorp fournit aux services bancaires personnalisés en mettant l'accent sur la minorité et la banque communautaire. La banque maintient une équipe de service à la clientèle de 42 représentants dévoués desservant principalement des communautés afro-américaines et hispaniques à New York.

Métrique du service client	Valeur
Temps de réponse moyen du client	12 minutes
Représentants du service à la clientèle	42
Évaluation annuelle de satisfaction du client	4.3/5

Programmes d'engagement communautaire et d'éducation financière

Carver Bancorp a investi 375 000 $ dans les programmes de littératie financière communautaire en 2023.

• Nombre d'ateliers d'éducation financière: 24
• Total des participants à la communauté: 1 287
• Atelier moyen Atelier: 53 personnes

Support bancaire numérique et en personne

Statistiques de la plate-forme bancaire numérique pour 2023:

Métrique bancaire numérique	Valeur
Utilisateurs de la banque mobile	16,542
Volume de transaction en ligne	372 000 mois
Time de disponibilité de la plate-forme numérique	99.97%

Construction de relations à long terme

Mesures de rétention de la clientèle pour 2023:

• Taux de rétention de la clientèle: 87,3%
• Durée moyenne de la relation client: 7,2 ans
• Taux client répété: 62,5%

Canaux de service client réactifs

Répartition des canaux de support client pour 2023:

Canal de support	Pourcentage d'utilisation
Support téléphonique	42%
Chat en ligne	33%
Assistance par e-mail	15%
Support de succursale en personne	10%

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: canaux

Emplacements de succursales physiques à New York

Depuis 2024, Carver Bancorp maintient 4 emplacements de branche physiques à New York, spécifiquement concentré dans:

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

Emplacement	Branche totale en pieds carrés	Trafic client quotidien moyen
Branche de Harlem	2 500 pieds carrés	87 clients / jour
Branche de Bedford-Stuyvesant	2 200 pieds carrés	72 clients / jour
Jamaïque, branche du Queens	1 800 pieds carrés	65 clients / jour
Branche du centre-ville de Brooklyn	2 100 pieds carrés	95 clients / jour

Plateforme bancaire en ligne

Caractéristiques de la plate-forme bancaire en ligne de Carver Bancorp:

• 97.3% Fiabilité de la disponibilité
• Sécurité de chiffrement 256 bits
• Utilisateurs actifs mensuels: 12,450

Application bancaire mobile

Statistiques d'application des banques mobiles:

• Téléchargements totaux: 8,275
• Utilisateurs actifs mensuels: 6,540
• Disponible sur les plateformes iOS et Android
• Durée moyenne de la session utilisateur: 7,2 minutes

Services bancaires téléphoniques

Métriques des canaux bancaires téléphoniques:

• Heures de service à la clientèle: 8 h à 20 h HNE
• Temps d'attente d'appel moyen: 3,4 minutes
• Volume d'appel mensuel: 2 890 appels

Réseau ATM

Type d'emplacement ATM	Total de distributeurs automatiques de billets	Transactions mensuelles
ATM appartenant à des banques	12	14,500
ATM du réseau partenaire	45	22,300

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: segments de clientèle

Petites entreprises appartenant à des minorités

Au quatrième trimestre 2023, Carver Bancorp dessert environ 1 237 petites entreprises appartenant à des minorités dans la région métropolitaine de New York.

Segment d'entreprise	Total des entreprises servies	Montant moyen du prêt
Entreprises appartenant à des États-Unis	742	$156,400
Entreprises appartenant à Hispanic	345	$132,750
Entreprises appartenant à Asie	150	$178,900

Résidents de la communauté urbaine

Carver Bancorp cible 78 500 résidents de la communauté urbaine à New York.

• Revenu médian des ménages: 52 300 $
• Focus géographique primaire: Brooklyn, Bronx et Manhattan
• Tranche d'âge: 25 à 54 ans

Individus à revenu faible à modéré

La banque dessert 45 672 personnes à revenu faible à modéré avec des produits financiers sur mesure.

Catégorie de revenu	Nombre de clients	Solde moyen du compte
À faible revenu (25 000 $ - 35 000 $)	22,341	$3,750
À revenu modéré (35 001 $ - 50 000 $)	23,331	$6,200

Entrepreneurs locaux

Carver Bancorp soutient 623 entrepreneurs locaux avec des services bancaires spécialisés.

• Startups Servites: 276
• Taille moyenne des prêts commerciaux: 87 500 $
• Secteurs d'entreprise: technologie, vente au détail, services

Organisations communautaires

La banque entretient des relations avec 47 organisations communautaires.

Type d'organisation	Nombre de partenariats	Investissement total de la communauté
Organisations à but non lucratif	29	1,2 million de dollars
Groupes de développement communautaire	18	$750,000

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: Structure des coûts

Dépenses opérationnelles pour le réseau de succursales

Depuis les derniers rapports financiers, les dépenses opérationnelles du réseau de succursales de Carver Bancorp étaient:

Catégorie de dépenses	Coût annuel ($)
Loyer et occupation	1,245,000
Services publics	387,600
Entretien	213,750
Sécurité	156,000

Maintenance de la technologie et des infrastructures numériques

La rupture des infrastructures technologiques coûte la rupture:

• Infrastructure informatique: 892 000 $
• Systèmes de cybersécurité: 425 000 $
• Plateforme bancaire numérique: 675 000 $
• Licence de logiciel: 213 500 $

Contacments de conformité et de réglementation

Les dépenses de conformité réglementaire comprennent:

Zone de conformité	Dépenses annuelles ($)
Conseil juridique	587,000
Représentation réglementaire	345,000
Frais d'audit	276,500
Formation de la conformité	124,750

Salaires et formation des employés

Dépenses liées au personnel:

• Salaires annuels totaux: 6 750 000 $
• Avantages sociaux: 1 875 000 $
• Programmes de formation: 312 000 $
• Coûts de recrutement: 187 500 $

Dépenses de marketing et de sensibilisation communautaire

Répartition des dépenses de marketing:

Canal de marketing	Budget annuel ($)
Marketing numérique	275,000
Événements communautaires	98,750
Impression et médias traditionnels	156,000
Parrainage	87,500

Carver Bancorp, Inc. (CARV) - Modèle d'entreprise: sources de revenus

Intérêt des prêts

Pour l'exercice 2023, Carver Bancorp a rapporté 11,3 millions de dollars dans le total des revenus d'intérêts des prêts.

Catégorie de prêt	Revenu total des intérêts
Prêts immobiliers commerciaux	6,7 millions de dollars
Prêts hypothécaires résidentiels	3,2 millions de dollars
Prêts à la consommation	1,4 million de dollars

Frais de prêt aux petites entreprises

Frais de prêt de petites entreprises générés 1,8 million de dollars en revenus pour la banque en 2023.

• Frais d'origine du prêt: 850 000 $
• Frais de traitement des prêts SBA: 650 000 $
• Services de conseil aux petites entreprises: 300 000 $

Frais de service bancaire numérique

Les services bancaires numériques ont contribué $750,000 dans les sources de revenus.

Service numérique	Revenu
Frais bancaires en ligne	$450,000
Frais de transaction d'application mobile	$300,000

Services de compte d'investissement et de dépôt

Services d'investissement générés 2,5 millions de dollars en revenus pour 2023.

• Frais de gestion de la patrimoine: 1,2 million de dollars
• Services de conseil en placement: 850 000 $
• Gestion du compte de retraite: 450 000 $

Frais de maintenance de transaction et de compte

Les frais de maintenance des transactions et des comptes totalisent 1,1 million de dollars.

Catégorie de frais	Revenus totaux
Maintenance mensuelle du compte	$600,000
Frais de transfert de fil	$250,000
Frais de transaction ATM	$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.