---
schema_version: "secwatch.filing_event.v1"
accession: "0000943374-24-000084"
form_type: "8-K/A"
ticker: "CARV"
cik: "0001016178"
company_name: "CARVER BANCORP INC"
filed_at: "2024-02-22T23:59:59+00:00"
generated_at: "2026-06-05T18:05:17.172578+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Carver Bancorp reports breakeven net income in Dec 2023 quarter, up $1.1M YoY; asset base grows to $775M

## Summary
- Breakeven net income improved $1.1M vs prior year quarter; recognized $1.4M in ERP grant income.
- Interest income up 19.6% YoY for nine-month period; interest expense up 144% due to Fed rate hikes.
- Asset base grew 4.4% to $775.3M; Net Interest Margin maintained at 3.0%.
- Lending highlights: $8.9M commercial mortgage, $3.2M multi-family, $4.0M consumer/specialty, $2.0M leveraged loans.
- Since early 2023, over $30M in institutional deposits from new partners including Key Bank, Micron, TIAA.

## SEC filing metadata
- accession: 0000943374-24-000084
- form_type: 8-K/A
- ticker: CARV
- cik: 0001016178
- company_name: CARVER BANCORP INC
- filed_at: 2024-02-22T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1016178/000094337424000084/0000943374-24-000084-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1016178/000094337424000084/form8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000943374-24-000084
- JSON: https://secwatch.observer/filing/0000943374-24-000084.json
- Plain text: https://secwatch.observer/filing/0000943374-24-000084.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.