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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ +2

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

Quarterly Headline

2025-Q2

Bank #268677 2025-Q2 Vital Signs Score: 62/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.7% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.28% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 91.7%, cash 6.1% of assets.

Cash / Assets
6.10%
Loans / Deposits
91.68%
Brokered %
6.89%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

WatchQoQ +1
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.51%, CET1 10.51%, leverage 8.82%.

Tier 1 RBC
10.51%
CET1
10.51%
Leverage
8.82%
No watch items at this period.

Asset Quality

WatchQoQ +10
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.28%, Texas Ratio 36.7%, NCO YTD -0.01%.

Adjusted NPL
4.28%
Govt-guarantees stripped
Texas Ratio
36.7%
NCO YTD
-0.01%
30-89 PD
1.30%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.28% (govt-guarantees stripped).

Reserves

RiskQoQ 0
18
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 24.7%, true coverage 24.7%.

ALLL / Loans
1.04%
Coverage
24.7%
True Loss Coverage
24.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.7% (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