Compared with New York
11 of 18
compared fees are above the median.
5 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
83rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the New York median
of 18 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Carver Federal Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Carver Federal Savings Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.4% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (83rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $312K in Q2 2026, 1.3% above the same quarter a year earlier ($308K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
11 of 18 compared published fees sit above the New York median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with New York medians for fees published by banks and credit unions.
Monthly Maintenance
My Online Account $6 to $20 · Value Plus Interest Checking $7 · Online Account Opening $25
Compared at $13.50, the middle of its prices
NSF / Returned Item
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income was about level from Q3 2025 to Q2 2026, at $312K. Its share of revenue, 4.4%, is above the 2.1% median for banks with $300M to $1B in assets.
$312K
Carver Federal Savings BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $25; we compare the midpoint.
Carver Federal Savings Bank · $658M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Carver Federal Savings Bank(this institution) | New York, NY | $658M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| AbbyBank | Abbotsford, WI | $662M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carroll Bank and Trust | Huntingdon, TN | $662M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| CCB Community Bank | Andalusia, AL | $662M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Classic Bank, National Association | Cameron, TX | $657M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank of Colby | Colby, KS | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Eagle Bank | Chicago, IL | $650M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Hope Bank, A National Banking Association | Hope, NJ | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank and Trust Company, Inc. | Caruthersville, MO | $659M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| High Plains Bank | Flagler, CO | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Federal Bank | Shreveport, LA | $644M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Homeland Federal Savings Bank | Columbia, LA | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Legence Bank | Eldorado, IL | $643M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Metairie Bank & Trust Company | Metairie, LA | $666M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Modern Bank, National Association | New York, NY | $649M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| New Tripoli Bank | New Tripoli, PA | $674M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennian Bank | Mifflintown, PA | $668M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Bank & Trust | Pana, IL | $657M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| PS Bank | Wyalusing, PA | $675M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stockmens Bank | Colorado Springs, CO | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank of Tescott | Tescott, KS | $648M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Poca Valley Bank, Inc. | Walton, WV | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| TXN Bank | Hondo, TX | $669M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walpole Co-operative Bank | Walpole, MA | $646M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worthington Bank | Arlington, TX | $655M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $13.50, the middle of its four prices, against a peer median of $8.99 among 16 publishing peers.
Its four checking prices are $6, $7, $20 and $25.
$13.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Carver Federal Savings Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $312K | −$8K | −2.5% |
| Q1 2026 | $320K | −$6K | −1.8% |
| Q4 2025 | $326K | +$15K | +4.8% |
| Q3 2025 | $311K | +$3K | +1.0% |
| Q2 2025 | $308K | −$5K | −1.6% |
| Q1 2025 | $313K | −$27K | −7.9% |
| Q4 2024 | $340K | +$82K | +31.8% |
| Q3 2024 | $258K | +$21K | +8.9% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Carver Federal Savings Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Carver Federal Savings Bank by share.
Amounts from Carver Federal Savings Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per item
per transaction
per month
per item
per item
per item
per item
per item
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per item
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per year
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Value Plus Interest Checking Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking/Savings Account Closure (within 6 months) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee (After 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF/Uncollected Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Inquiry at Non-Carver ATMs | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-Carver and Allpoint ATM Withdrawals | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Non-Carver Bank ATM withdrawal fees | $2.50Not compared: Monthly charge, not per item | per month | None |
| Replacement Card | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited debit card/Express Debit | $36.50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Domestic Outgoing | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer (customers only) | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign, Outgoing Wire Transfer | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfers: Foreign, Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller's Check (customer only) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller’s Check (customers only) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (per item, customer only) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Paid Money Order | $10Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Paid Money Order | $10Not compared: Annual charge, not per item | per year | None |
| Stop Payment for Bill Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Account Balance Verification | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Trustee Annual Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Termination | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Carver Federal Savings Bank operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state, $580.6M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 7 | $580.6M |
New York-Newark-Jersey City, NY-NJ
0% of bank deposits, #89 of 151, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 34.1% |
| Goldman Sachs Bank USA | 9.6% |
| The Bank of New York Mellon | 8.8% |
| Morgan Stanley Private Bank, National Association | 7.2% |
| Bank of America, National Association | 6.2% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In New York-Newark-Jersey City, NY-NJ, Carver Federal Savings Bank holds 0% of bank deposits, #89 of 151, with 7 offices.
900 offices of 15 institutions shown.
Showing 900 of 4,574 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 151 institutions shown. $2.9T in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 7 offices, #89 of 151
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
517 offices of 199 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
1 order with no end date on file
OCC
Board / Management Oversight; Earnings; Strategic Planning
Past
OCC. Ended January 18, 2023
Asset Quality; Board / Management Oversight; BSA Internal Controls; BSA Officer; BSA Pillar Violation / 12 CFR 21.21(d); BSA Violation Cited; BSA/AML; Capital; Concentration Risk Management; Customer/Enhanced Due Diligence (CDD/EDD); Earnings; Lending Issues; SAR/CTR Monitoring/Filing Issue; Strategic Planning
OCC. Ended November 3, 2014
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
CARVER BANCORP INC (OTC: CARV)
Consolidated assets
$697.9M
Shareholders' equity
$26.9M
As of
2025Q3
Net income by quarter
Recent SEC filings
Source: SEC EDGAR filings and XBRL financial data, CIK 1016178. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.