{"schema_version":"secwatch.filing_event.v1","accession":"0000943374-23-000032","form_type":"8-K","ticker":"CARV","cik":"0001016178","company_name":"CARVER BANCORP INC","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.508103+00:00","generated_at":"2026-06-20T11:27:08.610571+00:00","sec_items":["1.02"],"event_type":"regulatory","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"OCC terminates 2016 Formal Agreement with Carver Federal Savings Bank; capital minimum ratios unchanged","bullets":["OCC terminated the Formal Agreement dated May 24, 2016, effective January 18, 2023.","Individual Minimum Capital Ratio letter remains: Tier 1 leverage 9%, total risk-based capital 12%.","Federal Reserve approval still required for dividends, debt increase, or common stock redemption.","Termination removes a regulatory constraint, a positive step for the bank's operational flexibility."],"urls":{"canonical":"https://secwatch.observer/filing/0000943374-23-000032","json":"https://secwatch.observer/filing/0000943374-23-000032.json","markdown":"https://secwatch.observer/filing/0000943374-23-000032.md","text":"https://secwatch.observer/filing/0000943374-23-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1016178/000094337423000032/0000943374-23-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1016178/000094337423000032/form8k_011823.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T11:27:08.610571+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c00e575d5a7fe915f7d161a47f2c119b3fe3268b","claim":"CARVER BANCORP INC terminated Formal Agreement with Office of Comptroller of the Currency (OCC) valued at Termination of Formal Agreement (effective 2023-01-18).","evidence_excerpt":"On January 18, 2023, the Office of Comptroller of the Currency (“OCC”) notified Carver Federal Savings Bank (the “Bank”), the wholly-owned subsidiary of Carver Bancorp, Inc. (the “Company”), that the Formal Agreement between the Bank and the OCC dated May 24, 2016 (the “Agreement”) was terminated, effective immediately.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1016178/000094337423000032/0000943374-23-000032-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"termination"},{"label":"Counterparty","value":"Office of Comptroller of the Currency (OCC)"},{"label":"Value","value":"Termination of Formal Agreement"},{"label":"Effective","value":"2023-01-18"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}