---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-23-114035"
form_type: "8-K"
ticker: "CARV"
cik: "0001016178"
company_name: "CARVER BANCORP INC"
filed_at: "2023-11-03T23:59:59+00:00"
generated_at: "2026-06-08T21:49:55.204853+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Carver Bancorp interim CEO highlights strong capital, growth in shareholder letter

## Summary
- Bank emerged from regulatory formal agreement in Jan 2023; now 'well capitalized' with Tier 1 capital 12.4%, Leverage 10.1%, Total RBC 13.4%.
- Assets over $720M as of June 30, 2023, organic growth 28% since 2019; net interest margin YTD FY2024 at 3.14%.
- Loan growth 8.7% 4-year CAGR, deposit growth 5.8% 4-year CAGR, net charge-offs only 0.09% annually.
- Since 2019, raised over $40M in net capital and invested over $3M in technology upgrades.
- Fintech partnerships expanded deposit footprint to 9 states; supported over 16,000 small business loans nationwide.

## SEC filing metadata
- accession: 0001104659-23-114035
- form_type: 8-K
- ticker: CARV
- cik: 0001016178
- company_name: CARVER BANCORP INC
- filed_at: 2023-11-03T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1016178/000110465923114035/0001104659-23-114035-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1016178/000110465923114035/tm2329810d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-23-114035
- JSON: https://secwatch.observer/filing/0001104659-23-114035.json
- Plain text: https://secwatch.observer/filing/0001104659-23-114035.txt

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