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Carver State Bank

IDRSSD: 370833
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #370833 2026-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.92% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 24.7%, loans/deposits 45.5%, cash 19.7% of assets.

Cash / Assets
19.72%
Loans / Deposits
45.50%
Brokered %
24.67%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.95%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.31%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.31%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -2
84
Sub-score

Asset quality is strong: Adjusted NPL 0.50%, Texas Ratio 1.3%, NCO YTD 1.92%.

Adjusted NPL
0.50%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
1.92%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.92% of loans.

Reserves

StrongQoQ -1
99
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 300.9%, true coverage 192.7%.

ALLL / Loans
1.47%
Coverage
300.9%
True Loss Coverage
192.7%
No watch items at this period.

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: 2026-05-15 02:45:10 UTC