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Carver Bancorp Inc

carverbank.q4ir.com

No Longer Reporting

The company has not filed an annual or quarterly report since its Q2 FY2026 10-Q, filed Nov 13, 2025. Its latest SEC filing is a SCHEDULE 13D/A from Dec 29, 2025.

The sections below describe the company as of the FY2025 annual report.

What Did They Do?

Provides deposit and digital banking services, payment products, and mortgage and business loans to consumers, businesses, and government agencies.

How Did They Make Money?

revenue
SegmentShareRevenue
Deposit Account
79%
FY2022: 43%
Mortgage Banking
6.4%
FY2022: 4.5%
Financial Service, Other
14%
FY2022: 53%

Who Were Their Customers?

The bank serves consumers and businesses, along with government and quasi-government agencies and nonprofit organizations, including faith-based institutions, in its New York City market area.

Did Revenues Turn Into Profits?

No. It lost $13.7M in FY2025.

Net income, FY2025
−458% of revenue
▲ +362% (Loss) vs FY2024 (−$3M, −101%)
Free cash flow, FY2025
−431% of revenue
▲ +87% (Loss) vs FY2024 (−$6.9M, −234%)

How Were They Changing?

Since the FY2025 annual report
Latest quarter: Q2 FY2026, the three months to Sep 30, 2025
Revenue
▲ +70%
vs $711K in Q2 FY2025
Net income
▲ +15% (Loss)
vs −$2.1M in Q2 FY2025
Depository fees and charges share of revenue vs 76.7% in Q2 FY2025
  • Nov 18, 2025 Plans to delist from Nasdaq and move its shares to OTCQX The company also plans to deregister its shares, which would suspend its obligation to file periodic reports with the SEC.

Shrank. Revenue fell 29% in 4 years, from $4.2M in FY2021 to $3M in FY2025, about 8% a year.

Lending focus The earlier report described multifamily mortgages alongside owner-occupied and mixed-use commercial loans; the latest report places owner-occupied and mixed-use lending first, with multifamily transactions at a smaller scale.

Business-loan collateral The earlier description tied business loans to commercial real estate; the latest also describes commercial and industrial loans secured by business assets.

Revenue over time
Deposit Account Mortgage Banking Financial Service, Other
$5M$2.5M$0

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