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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
55
/ 100
WatchAs of 2025-Q4QoQ -7

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

Quarterly Headline

2025-Q4

Bank #268677 2025-Q4 Vital Signs Score: 55/100 — overall watch. 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 18.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.63% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -12
65
Sub-score

Liquidity is stable: brokered 19.7%, loans/deposits 98.5%, cash 6.6% of assets.

Cash / Assets
6.59%
Loans / Deposits
98.47%
Brokered %
19.66%
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
0.23%
No watch items at this period.

Capitalization

WatchQoQ -1
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.32%, CET1 10.32%, leverage 8.64%.

Tier 1 RBC
10.32%
CET1
10.32%
Leverage
8.64%
No watch items at this period.

Asset Quality

WatchQoQ -15
43
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.63%, Texas Ratio 48.7%, NCO YTD 0.13%.

Adjusted NPL
5.63%
Govt-guarantees stripped
Texas Ratio
48.7%
NCO YTD
0.13%
30-89 PD
3.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.63% (govt-guarantees stripped).

Reserves

RiskQoQ 0
17
Sub-score

Reserves are weak: ALLL 1.02% of loans, coverage 18.3%, true coverage 18.3%.

ALLL / Loans
1.02%
Coverage
18.3%
True Loss Coverage
18.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.3% (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