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Carver Federal Savings Bank

IDRSSD: 268677
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2023-Q4QoQ -26

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #268677 2023-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Watch
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.9% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.35% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -26 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -52
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
82
Sub-score

Liquidity is strong: brokered 8.9%, loans/deposits 91.9%, cash 9.7% of assets.

Cash / Assets
9.68%
Loans / Deposits
91.94%
Brokered %
8.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.27%
No watch items at this period.

Capitalization

StrongQoQ -3
82
Sub-score

Capital position is strong: Tier 1 RBC 11.72%, CET1 11.72%, leverage 9.77%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
9.77%
No watch items at this period.

Asset Quality

WatchQoQ -52
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.35%, Texas Ratio 34.4%, NCO YTD 0.01%.

Adjusted NPL
4.35%
Govt-guarantees stripped
Texas Ratio
34.4%
NCO YTD
0.01%
30-89 PD
3.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.35% (govt-guarantees stripped).

Reserves

Risk
15
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 21.9%, true coverage 21.9%.

ALLL / Loans
0.94%
Coverage
21.9%
True Loss Coverage
21.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:49:58 UTC