{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-24-080328","form_type":"8-K","ticker":"CARV","cik":"0001016178","company_name":"CARVER BANCORP INC","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.892450+00:00","generated_at":"2026-05-31T20:04:01.444247+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Carver Bancorp reduces FY2024 net loss 32% to $3M; achieves H2 breakeven","bullets":["Net loss of $3.0M for FY2024, down 32% YoY; breakeven achieved in second half of fiscal year.","Net interest income $22.6M (-1% YoY); non-interest income $6.7M (+87% YoY) drove improved results.","Net interest margin improved to 3.31%, up 28 bps from prior quarter; deposits up 7.8%.","New $25M credit facility with NY Green Bank for decarbonization projects; MWBE vendor financing with Fortune 100 partner.","Upcoming Jack Henry LoanVantage™ system rollout by Fall 2025 to streamline loan processing."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-24-080328","json":"https://secwatch.observer/filing/0001104659-24-080328.json","markdown":"https://secwatch.observer/filing/0001104659-24-080328.md","text":"https://secwatch.observer/filing/0001104659-24-080328.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1016178/000110465924080328/0001104659-24-080328-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1016178/000110465924080328/tm2419648d1_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:04:01.444247+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}