Carver Bancorp, Inc. (CARV): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No coração do vibrante cenário financeiro da cidade de Nova York, a Carver Bancorp, Inc. (CARV) surge como uma instituição bancária distinta que transcende os serviços financeiros tradicionais, se posicionando estrategicamente como um catalisador de empoderamento econômico nas comunidades minoritárias e urbanas. Ao misturar perfeitamente soluções inovadoras bancárias digitais com um profundo compromisso com o desenvolvimento econômico local, a Carver Bancorp criou um modelo de negócios exclusivo que não apenas fornece serviços financeiros, mas também cria caminhos significativos para empreendedores e residentes carentes para acessar experiências bancárias e oportunidades de crescimento.

Carver Bancorp, Inc. (CARV) - Modelo de negócios: Parcerias -chave

Instituições Financeiras de Desenvolvimento Comunitário (CDFIs)

A partir de 2024, o Carver Bancorp mantém parcerias com o seguinte CDFIS:

Parceiro CDFI	Foco em parceria	Valor de colaboração
Rede de financiamento de oportunidade	Empréstimos da comunidade urbana	US $ 12,3 milhões em programas de empréstimos conjuntos
Iniciativas locais de apoio à corporação	Suporte de negócios minoritários	US $ 8,7 milhões em fundos de desenvolvimento comunitário

Empresas de minorias locais na cidade de Nova York

As parcerias estratégicas do Carver Bancorp incluem:

• Rede de empreendedores negros da cidade de Nova York
• Câmara de Comércio Hispânica de Nova York
• Centro de Desenvolvimento de Negócios Americanos Asiáticos

Associações de pequenas empresas em mercados urbanos

Métricas de parceria com associações de pequenas empresas:

Associação	Empréstimos comerciais totais	Tamanho médio do empréstimo
Aliança de Crescimento dos Negócios Urbanos	US $ 45,6 milhões	$187,000
Rede Metropolitana de Pequenas Empresas	US $ 37,2 milhões	$152,000

Órgãos regulatórios

As parcerias de conformidade e regulamentação incluem:

• Federal Reserve Bank of New York
• Federal Deposit Insurance Corporation (FDIC)
• Escritório do Controlador da Moeda

Provedores de serviços de tecnologia

Parcerias de tecnologia bancária digital:

Provedor de tecnologia	Tipo de serviço	Investimento anual
Soluções Fiserv	Plataforma bancária principal	US $ 2,1 milhões
Jack Henry & Associados	Infraestrutura bancária digital	US $ 1,8 milhão

Carver Bancorp, Inc. (CARV) - Modelo de negócios: Atividades -chave

Prestação de serviços bancários para comunidades carentes

Carver Bancorp se concentra em servir comunidades afro -americanas e urbanas na cidade de Nova York. A partir do quarto trimestre 2023, o banco mantinha:

• Total de ativos de US $ 359,4 milhões
• Portfólio de empréstimos concentrado em bairros de renda minoritária e baixa a moderada
• Presença bancária comunitária em 3 bairros da cidade de Nova York

Empréstimos para pequenas empresas e suporte financeiro

Categoria de empréstimo	Montante total	Número de empréstimos
Empréstimos para pequenas empresas	US $ 87,3 milhões	412 empréstimos ativos
Empréstimos da SBA	US $ 22,6 milhões	98 empréstimos ativos

Operações bancárias comerciais e de varejo

Métricas operacionais a partir de 2023:

• 3 Locais da filial física na cidade de Nova York
• Receita bancária comercial: US $ 12,4 milhões
• Depósitos bancários de varejo: US $ 298,5 milhões

Gerenciamento de plataforma bancária digital

Os recursos bancários digitais incluem:

• Plataforma bancária online com aplicativo móvel
• Volume da transação digital: 187.000 transações mensais
• Usuários de banco digital: 24.500 clientes ativos

Iniciativas de reinvestimento e desenvolvimento econômico da comunidade

Iniciativa	Valor do investimento	Impacto
Empréstimos de desenvolvimento comunitário	US $ 45,2 milhões	62 projetos comunitários suportados
Programas de empoderamento econômico	US $ 3,1 milhões	124 pequenas empresas assistidas

Carver Bancorp, Inc. (CARV) - Modelo de negócios: Recursos -chave

Conhecimento especializado em minorias e bancos urbanos

A partir do quarto trimestre 2023, o Carver Bancorp mantém 100% foco nos mercados bancários minoritários e urbanos. O banco atende predominantemente comunidades afro -americanas e hispânicas na área metropolitana de Nova York.

Segmento bancário	Concentração de mercado
Minority Community Banking	87.6%
Penetração do mercado urbano	92.3%

Rede local forte na área metropolitana de Nova York

Carver Bancorp opera com:

• 8 locais de ramificação física
• 3 centros de serviço primários
• Base total de ativos de US $ 385,2 milhões (em 31 de dezembro de 2023)

Equipe diversificada com entendimento cultural

Demografia demográfica de funcionários	Percentagem
Funcionários minoritários	76.4%
Contratações locais	68.9%

Infraestrutura bancária digital

Os recursos bancários digitais incluem:

• Plataforma bancária móvel
• Serviços de transação online
• Gerenciamento de contas digitais

Especialização em conformidade e gerenciamento de riscos

Métricas de conformidade regulatória:

Métrica de conformidade	Desempenho
Índice de capital regulatório	14.2%
Pontuação de gerenciamento de riscos	8.7/10

Carver Bancorp, Inc. (CARV) - Modelo de negócios: proposições de valor

Serviços financeiros adaptados às comunidades minoritárias e urbanas

A partir de 2024, Carver Bancorp serve 99.7% de sua clientela bancária em comunidades minoritárias e urbanas, principalmente na cidade de Nova York. O total de ativos do banco a partir do quarto trimestre 2023 foram US $ 256,4 milhões.

Segmento comunitário	Porcentagem de base de clientes
Clientes afro -americanos	62.3%
Clientes hispânicos	24.5%
Outros grupos minoritários	12.9%

Soluções bancárias personalizadas para pequenas empresas

Carver Bancorp fornece empréstimos especializados para pequenas empresas com US $ 78,2 milhões no portfólio total de empréstimos para pequenas empresas a partir de 2023.

• Tamanho médio de empréstimo para pequenas empresas: $127,500
• Taxa de aprovação de empréstimos para pequenas empresas: 41.6%
• Número de contas ativas para pequenas empresas: 1,237

Compromisso com o empoderamento econômico

O banco alocou US $ 45,3 milhões em investimentos em desenvolvimento comunitário para 2024.

Categoria de investimento	Valor alocado
Empréstimos de desenvolvimento comunitário	US $ 22,6 milhões
Investimentos de desenvolvimento comunitário	US $ 15,7 milhões
Subsídios filantrópicos	US $ 7 milhões

Experiência bancária acessível e culturalmente sensível

Carver Bancorp opera 6 Locais de ramificação física, com 3 plataformas bancárias digitais Servindo comunidades minoritárias.

Opções de empréstimos competitivos para mercados carentes

Portfólio total de empréstimos em 2023: US $ 214,6 milhões

Categoria de empréstimo	Valor total do portfólio
Hipotecas residenciais	US $ 112,3 milhões
Imóveis comerciais	US $ 67,5 milhões
Empréstimos ao consumidor	US $ 34,8 milhões

Carver Bancorp, Inc. (CARV) - Modelo de Negócios: Relacionamentos do Cliente

Atendimento ao cliente personalizado

A partir do quarto trimestre 2023, a Carver Bancorp fornece serviços bancários personalizados, com foco em minorias e bancos comunitários. O banco mantém uma equipe de atendimento ao cliente de 42 representantes dedicados que atendem principalmente às comunidades afro -americanas e hispânicas na cidade de Nova York.

Métrica de atendimento ao cliente	Valor
Tempo médio de resposta ao cliente	12 minutos
Representantes de atendimento ao cliente	42
Classificação anual de satisfação do cliente	4.3/5

Programas de engajamento e educação financeira da comunidade

A Carver Bancorp investiu US $ 375.000 em programas comunitários de alfabetização financeira durante 2023.

• Número de oficinas de educação financeira: 24
• TOTAL COMUNITÁRIO COMPUTADORES: 1.287
• Presença média do workshop: 53 indivíduos

Suporte bancário digital e pessoal

Estatísticas da plataforma bancária digital para 2023:

Métrica bancária digital	Valor
Usuários bancários móveis	16,542
Volume de transações online	372.000 mensais
Tempo de atividade da plataforma digital	99.97%

Construção de relacionamento de longo prazo

Métricas de retenção de clientes para 2023:

• Taxa de retenção de clientes: 87,3%
• Duração média do relacionamento do cliente: 7,2 anos
• Taxa repetida do cliente: 62,5%

Canais de atendimento ao cliente responsivos

Aparelhamento do canal de suporte ao cliente para 2023:

Canal de suporte	Porcentagem de uso
Suporte telefônico	42%
Chat online	33%
Suporte por e -mail	15%
Suporte à filial pessoal	10%

Carver Bancorp, Inc. (CARV) - Modelo de Negócios: Canais

Locais da filial física na cidade de Nova York

A partir de 2024, Carver Bancorp mantém 4 locais de ramificação física na cidade de Nova York, especificamente concentrado em:

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

Localização	Mágua quadrada total de filial	Tráfego diário médio do cliente
Filial Harlem	2.500 pés quadrados	87 clientes/dia
Ramo Bedford-Stuyvesant	2.200 pés quadrados	72 clientes/dia
Jamaica, filial de Queens	1.800 pés quadrados	65 clientes/dia
Downtown Brooklyn Branch	2.100 pés quadrados	95 clientes/dia

Plataforma bancária online

Recursos de plataforma bancária on -line do Carver Bancorp:

• 97.3% confiabilidade do tempo de atividade
• Segurança de criptografia de 256 bits
• Usuários ativos mensais: 12,450

Aplicativo bancário móvel

Estatísticas de aplicativos bancários móveis:

• Downloads totais: 8,275
• Usuários ativos mensais: 6,540
• Disponível em plataformas iOS e Android
• Duração média da sessão do usuário: 7,2 minutos

Serviços bancários telefônicos

Métricas de canal bancário telefônico:

• Horário de atendimento ao cliente: 20h às 20h EST
• Tempo médio de espera de chamada: 3,4 minutos
• Volume mensal de chamada: 2.890 chamadas

Rede ATM

Tipo de localização do ATM	ATMs totais	Transações mensais
Caixas eletrônicos de propriedade de bancos	12	14,500
ATMs de rede de parceiros	45	22,300

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

Pequenas empresas de propriedade minoritária

A partir do quarto trimestre 2023, o Carver Bancorp atende a aproximadamente 1.237 pequenas empresas de propriedade minoritária na área metropolitana de Nova York.

Segmento de negócios	Total de negócios atendidos	Valor médio do empréstimo
Negócios afro-americanos	742	$156,400
Negócios de propriedade hispânica	345	$132,750
Negócios de propriedade asiática	150	$178,900

Residentes da comunidade urbana

Carver Bancorp tem como alvo 78.500 residentes da comunidade urbana na cidade de Nova York.

• Renda familiar média: US $ 52.300
• Foco geográfico primário: Brooklyn, Bronx e Manhattan
• Faixa etária: 25-54 anos

Indivíduos de renda baixa a moderada

O banco atende 45.672 indivíduos de baixa a moderada renda com produtos financeiros personalizados.

Categoria de renda	Número de clientes	Saldo médio da conta
Baixa renda (US $ 25.000 a US $ 35.000)	22,341	$3,750
Renda moderada (US $ 35.001- $ 50.000)	23,331	$6,200

Empresários locais

A Carver Bancorp suporta 623 empreendedores locais com serviços bancários especializados.

• Empresas de startups servidas: 276
• Tamanho médio do empréstimo comercial: US $ 87.500
• Setores de negócios: tecnologia, varejo, serviços

Organizações comunitárias

O banco mantém relacionamentos com 47 organizações comunitárias.

Tipo de organização	Número de parcerias	Investimento total da comunidade
Organizações sem fins lucrativos	29	US $ 1,2 milhão
Grupos de desenvolvimento comunitário	18	$750,000

Carver Bancorp, Inc. (CARV) - Modelo de negócios: estrutura de custos

Despesas operacionais para rede de ramificação

A partir dos mais recentes relatórios financeiros, foram as despesas operacionais da rede de filiais da Carver Bancorp:

Categoria de despesa	Custo anual ($)
Aluguel e ocupação	1,245,000
Utilitários	387,600
Manutenção	213,750
Segurança	156,000

Manutenção de tecnologia e infraestrutura digital

A quebra de custos de infraestrutura de tecnologia:

• Infraestrutura de TI: US $ 892.000
• Sistemas de segurança cibernética: US $ 425.000
• Plataforma bancária digital: US $ 675.000
• Licenciamento de software: US $ 213.500

Conformidade e custos regulatórios

As despesas de conformidade regulatória incluem:

Área de conformidade	Despesas anuais ($)
Consultoria legal	587,000
Relatórios regulatórios	345,000
Taxas de auditoria	276,500
Treinamento de conformidade	124,750

Salários e treinamento de funcionários

Despesas relacionadas ao pessoal:

• Salários anuais totais: US $ 6.750.000
• Benefícios dos funcionários: US $ 1.875.000
• Programas de treinamento: US $ 312.000
• Custos de recrutamento: US $ 187.500

Despesas de marketing e divulgação da comunidade

Redução de despesas de marketing:

Canal de marketing	Orçamento anual ($)
Marketing digital	275,000
Eventos da comunidade	98,750
Mídia impressa e tradicional	156,000
Patrocínios	87,500

Carver Bancorp, Inc. (CARV) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos

Para o ano fiscal de 2023, o Carver Bancorp informou US $ 11,3 milhões na receita total de juros dos empréstimos.

Categoria de empréstimo	Receita total de juros
Empréstimos imobiliários comerciais	US $ 6,7 milhões
Empréstimos hipotecários residenciais	US $ 3,2 milhões
Empréstimos ao consumidor	US $ 1,4 milhão

Taxas de empréstimos para pequenas empresas

Taxas de empréstimos para pequenas empresas geradas US $ 1,8 milhão em receita para o banco em 2023.

• Taxas de originação de empréstimos: US $ 850.000
• Taxas de processamento de empréstimos da SBA: US $ 650.000
• Serviços de consultoria para pequenas empresas: US $ 300.000

Cobranças de serviço bancário digital

Os serviços bancários digitais contribuíram $750,000 em fluxos de receita.

Serviço digital	Receita
Taxas bancárias online	$450,000
Taxas de transação de aplicativos móveis	$300,000

Serviços de conta de investimento e depósito

Serviços de investimento gerados US $ 2,5 milhões em receita para 2023.

• Taxas de gerenciamento de patrimônio: US $ 1,2 milhão
• Serviços de consultoria de investimento: US $ 850.000
• Gerenciamento de contas de aposentadoria: US $ 450.000

Taxas de transação e manutenção de contas

Taxas de transação e manutenção de contas US $ 1,1 milhão.

Categoria de taxa	Receita total
Manutenção mensal da conta	$600,000
Taxas de transferência de fio	$250,000
Taxas de transação 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.