Carver Bancorp, Inc.

Overview

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• TickerCARV on OTC¹
• IndustrySavings Institution, Federally Chartered¹
• HeadquartersNew York, New York¹
• Websitewww.carverbank.com
• Incorporated inDE⁴
• Business address75 W 125Th St, New York, Ny 10027-4512⁴
• Filer categoryNon-accelerated filer, Smaller reporting company⁴
• Legal formCorporation

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Carver Bancorp, Inc., a Delaware corporation (the “Company”), is the holding company for Carver Federal Savings Bank (“Carver Federal” or the “Bank”), a federally chartered savings bank. The Company is headquartered in New York, New York. The Company conducts business as a unitary savings and loan holding company, and the principal business of the Company consists of the operation of its wholly-owned subsidiary, Carver Federal. Carver Federal was founded in 1948 to serve African-American communities whose residents, businesses and institutions had limited access to mainstream financial services. The Bank remains headquartered in Harlem, and predominantly all of its seven branches are located in low- to moderate-income neighborhoods. Many of these historically underserved communities have experienced unprecedented growth and diversification of incomes, ethnicity and economic opportunity, …⁵ From its latest annual report

Corporate structure

Carver Bancorp, Inc. sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Carver Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Real estate and locations

Investments

Properties, in its own words

The Bank currently conducts its business through one administrative office and seven branches (including the Harlem West 125th Street Main branch). The following table sets forth certain information regarding Carver Federal's offices and other material properties at March 31, 2025. The Bank believes that such facilities are suitable and adequate for its operational needs.

Branches · Address · City/State · Year Opened · Owned or Leased · Lease Expiration Date

Item 2 of the 10-K filed Jun 24, 2025.⁵

Leadership

Who has led Carver Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

• Chief executive officerDonald Felix Dec 6, 2024 to Mar 3, 2025¹⁷
• Chief executive officerMichael T. Pugh Aug 18, 2015 to Apr 28, 2022¹⁸
• Chief executive officerDeborah Wright Sep 22, 2006 to Dec 10, 2014¹⁹
• ChairDeborah Wright Sep 22, 2006 to Dec 10, 2014¹⁹
• PresidentDonald Felix Dec 6, 2024 to Mar 3, 2025¹⁷
• PresidentMichael T. Pugh Dec 19, 2014 to Apr 28, 2022²⁰
• PresidentDeborah Wright Sep 22, 2006 to Jul 29, 2008¹⁹
• Chief financial officerChristina L. Maier Mar 11, 2016 to Oct 27, 2023²¹
• Chief financial officerDavid L. Toner Dec 17, 2014 to Feb 27, 2015²²
• Chief financial officerChris A. McFadden Sep 18, 2009 to Dec 3, 2010²³
• Chief financial officerRoy Swan Nov 22, 2006 to Jul 29, 2008²⁴
• Chief operating officerMichael T. Pugh Dec 19, 2014 to Dec 19, 2014²⁰

Timeline

1. Nov 18, 20258-K Listing notice or transfer⁵⁹
2. Nov 5, 20258-K Other events⁶⁰
3. May 16, 20258-K Entered a material agreement⁶¹
4. Jan 27, 20258-K Shareholder vote; Other events⁶²
5. Dec 12, 20248-K Executive or director change; Shareholder vote⁶³
6. Dec 6, 2024New chief executive Donald Felix becomes CEO¹⁷
7. Sep 16, 20248-K Executive or director change⁶⁴
8. Jul 17, 20248-K Regulation FD disclosure⁶⁵
9. Feb 22, 20248-K Regulation FD disclosure⁶⁶
10. Feb 21, 20248-K Regulation FD disclosure⁶⁷
11. Jan 31, 20248-K Regulation FD disclosure; Other events⁶⁸
12. Nov 29, 20238-K Regulation FD disclosure⁶⁹
13. Nov 3, 20238-K Regulation FD disclosure⁷⁰
14. Aug 18, 2015New chief executive Michael T. Pugh becomes CEO¹⁸
15. Jul 10, 2007Went public Listed on NASDAQ¹
16. Sep 22, 2006New chief executive Deborah Wright becomes CEO¹⁹
17. 1948Founded Founded¹

Filings

125 filings to the SEC since October 2021: 6 annual reports, 13 quarterly reports, 26 major events, 23 insider forms, 16 large holders, 1 private raises, 40 other. The latest 20:

1. Dec 29, 2025SCHEDULE 13D/A EDGAR
2. Dec 11, 2025SCHEDULE 13D/A EDGAR
3. Dec 8, 2025SCHEDULE 13D EDGAR
4. Dec 8, 202515-12G CARVER BANCORP, INC. FORM 15 DECEMBER 8, 2025 EDGAR
5. Dec 8, 2025S-8 POS CARVER BANCORP, INC. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 DECEMBER 8, 2025 EDGAR
6. Dec 5, 2025SCHEDULE 13D/A EDGAR
7. Nov 28, 202525 CARVER BANCORP, INC. FORM 25 NOVEMBER 28, 2025 EDGAR
8. Nov 21, 2025SCHEDULE 13D/A EDGAR
9. Nov 18, 20258-K CARVER BANCORP, INC. FORM 8-K NOVEMBER 18, 2025 EDGAR
10. Nov 13, 202510-Q EDGAR
11. Nov 5, 2025DEFA14A EDGAR
12. Nov 5, 20258-K EDGAR
13. Oct 31, 2025SCHEDULE 13D/A EDGAR
14. Oct 15, 2025SCHEDULE 13D/A EDGAR
15. Oct 6, 2025SCHEDULE 13D EDGAR
16. Aug 13, 202510-Q EDGAR
17. Aug 7, 2025S-8 CARVER BANCORP, INC. FORM S-8 REGISTRATION STATEMENT AUGUST 5, 2025 EDGAR
18. Jul 29, 202510-K/A EDGAR
19. Jun 24, 202510-K EDGAR
20. May 16, 20258-K EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

11 open-market trades by officers, directors and large owners since October 2021: 10 buys and 1 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• Barry James MannSCHEDULE 13D/A, 6 filings Oct 6, 2025 to Dec 29, 2025⁷¹
• Detyga LLCSCHEDULE 13D/A, 2 filings Dec 8, 2025 to Dec 11, 2025⁷²
• Dream Chasers Capital Group LLCSC 13D/A, 4 filings Dec 12, 2022 to Dec 12, 2024⁷³
• National Community Investment FundSC 13G, 1 filing Jul 21, 2023⁷⁴
• Jeffrey John BaileySC 13D, 1 filing Dec 20, 2022⁷⁵
• Kevin Scott WintersSC 13D, 1 filing Dec 12, 2022⁷⁶
• Shawn Paul HerreraSC 13D, 1 filing Dec 12, 2022⁷⁷

Funding

Where the company's money came from, by calendar year: private offerings filed with the SEC, federal grants, loans, contracts and other assistance from USAspending.gov, and PPP loans from the SBA. Each bar links to the records below.

Private raises

Private offerings the company reported to the SEC on Form D. The amount is what the latest filing says was sold so far, charted in the year of the first sale. Covers filings since Oct 1, 2021.

1. Jul 19, 2023Raised $1 million in a private offering of equity⁷⁸ Form D: 1 investor so far Form D

SEC filer profile

How Carver Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARCARVER BANCORP INC²
• CIK0001016178
• Employer ID (EIN)13-3904174⁵
• Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company⁵
• Incorporated inDelaware⁵
• Fiscal year endsMarch 31²
• Industry code (SIC)6035 Savings Institution, Federally Chartered²
• SEC reviewing officeOffice of Finance, Division of Corporation Finance²
• Business address75 W 125Th St, New York, NY 10027-4512²
• Phone2128764747²
• Shares outstanding5,095,254 as of Nov 12, 2025¹³
• Public float$9.8M as of Sep 30, 2024⁵
• AuditorBDO USA, P.C., New York PCAOB ID 243⁵
• On EDGAR sinceJun 7, 1996²
• Filings892 in all: 4 (205), 8-K (201), 10-Q (89), SC 13G/A (49), 3 (32), 10-K (28), DEF 14A (26), 4/A (25)²
  All 57 form types

  DFAN14A (24), SC 13G (22), DEFA14A (19), 10-K/A (14), NT 10-Q (13), 8-K/A (11), NT 10-K (10), 11-K (9), SC 13D/A (9), EFFECT (8), SC 13D (8), CORRESP (7), UPLOAD (7), 10-Q/A (6), POS AM (6), SCHEDULE 13D/A (6), D (5), S-8 (5), DEFC14A (4), PREC14A (4), DFRN14A (3), PRE 14A (3), 25 (2), 5 (2), ARS (2), NT 11-K (2), S-1 (2), S-8 POS (2), SCHEDULE 13D (2), 10-K405 (1), 10-K405/A (1), 15-12G (1), 424B5 (1), 8-A12B (1), 8-A12B/A (1), 8-A12G (1), CERTNAS (1), NTN 10Q (1), PRER14A (1), PRRN14A (1), RW (1), S-1/A (1), S-2 (1), S-2/A (1), S-3 (1), S-3/A (1), S-4 POS (1), S-4EF (1), S-4EF/A (1)

• Latest filingsAnnual report (10-K) Jun 24, 2025
  Quarterly report (10-Q) Nov 13, 2025
  Proxy statement (DEF 14A) Jul 28, 2023
  Latest 8-K (8-K) Nov 18, 2025

Risk factors and legal proceedings

The risks Carver Bancorp, Inc. names in Item 1A of its 10-K filed Jun 24, 2025: 21 risks under these headings, as written.⁵

• Risks Related to Lending Activities
• Our loan portfolio exhibits a high degree of risk.
• The allowance for credit losses could be insufficient to cover Carver's actual loan losses.
• Risks Related to Laws and Regulation and Their Enforcement
• Failure to comply with the Formal Agreement could adversely affect our business.
• Any regulatory examination scrutiny or new regulatory requirements arising from the recent events in the banking industry could increase the Company’s expenses and affect the Company’s operations.
• Carver is subject to more stringent capital requirements, which may adversely impact the Company's return on equity, or constrain it from paying dividends or repurchasing shares.
• There can be no assurance that our regulator will approve payment of our deferred interest on our outstanding trust preferred securities.
• The Company and the Bank operate in a highly regulated industry, which limits the manner and scope of business activities.
• Risks Related to the Economic Conditions
• Carver's results of operations are affected by economic conditions in the New York metropolitan area.
• The soundness of other financial institutions could negatively affect us.

Legal proceedings

From time to time, the Company and the Bank or one of its wholly-owned subsidiaries are parties to various legal proceedings incident to their business. At March 31, 2025, certain claims, suits, complaints and investigations (collectively “proceedings”) involving the Company and the Bank or a subsidiary, arising in the ordinary course of business, have been filed or are pending. The Company is unable at this time to determine the ultimate outcome of each proceeding, but believes, after discussions with legal counsel representing the Company and the Bank or the subsidiary in these proceedings, that it has meritorious defenses to each proceeding and appropriate measures have been taken to defend the interests of the Company, Bank or subsidiary. As of the date of this Annual Report on Form 10-K, we are not involved in any pending legal proceedings as a plaintiff or a defendant other than routine legal proceedings occurring in the ordinary course of business, and are not involved in any legal proceeding, the outcome of which management believes would be material to the financial condition or results of operations of the Company or the Bank.

The opening of Item 3, Legal Proceedings.⁵

Links

• Websitewww.carverbank.com¹
• WikidataQ17986287
• SEC EDGARCIK 1016178