CARVER BANCORP INC

For the period ended Jun 30, 2025. Filed Aug 13, 2025.

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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Jun 30, 2025 · Filed Aug 13, 2025

CARV$1.50+3.4%Stored close · as of Jul 8, 2026

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Contents

Consolidated Statements of Operations

	Three Months Ended June 30,
$ in thousands, except per share data	2025	2024
Interest income:
Loans	$8,426	$8,067
Mortgage-backed securities	129	140
Investment securities	231	292
Money market investments	418	708
Total interest income	9,204	9,207
Interest expense:
Deposits	3,286	3,111
Advances and other borrowed money	277	592
Total interest expense	3,563	3,703
Net interest income	5,641	5,504
(Recovery of) provision for credit losses	(26)	260
Net interest income after provision for (recovery of) credit losses	5,667	5,244
Non-interest income:
Depository fees and charges	673	538
Loan fees and service charges	158	(29)
Grant income	—	80
Other	437	116
Total non-interest income	1,268	705
Non-interest expense:
Employee compensation and benefits	3,681	3,501
Net occupancy expense	1,230	1,197
Equipment, net	590	580
Data processing	584	732
Consulting fees	137	79
Federal deposit insurance premiums	233	170
Other	1,657	1,902
Total non-interest expense	8,112	8,161
Loss before income taxes	(1,177)	(2,212)
Income tax expense	—	—
Net loss	$(1,177)	$(2,212)
Loss per common share:
Basic	$(0.22)	$(0.43)
Diluted	(0.22)	(0.43)

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