卡弗储蓄 2025年季度报告

FORM10-Q ☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September30, 2025 ORTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period fromto Commission File Number:001-13007 CARVER BANCORP, INC. (Exact name of registrant as specified in its charter)Delaware13-3904174(State or Other Jurisdiction ofIncorporation or Organization)(I.R.S. Employer Identification No.) 75 West 125th StreetNew YorkNew York10027(Address of Principal Executive Offices)(Zip Code) Registrant’s telephone number, including area code:(718)230-2900 Securities registered pursuant to Section 12(b) of the Act: Title of each classTrading Symbol(s)Name of each exchange on which registeredCommon Stock, par value $0.01 per shareCARVThe NASDAQ Stock Market, LLC Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12months (or for such shorter period that the registrant was required to file such reports),and (2)has been subject to such filing requirements for the past 90days.þYes oNo Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule405 of RegulationS-T (§232.405 of this chapter) during the preceding 12months (or for such shorter period that theregistrant was required to submit such files).þYes oNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smallerreporting company,” and "emerging growth company" in Rule12b-2 of the Exchange Act. Accelerated Filer☒Non-accelerated Filer☒Smaller Reporting Company☐Emerging Growth Company If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).☐Yes☑No Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. Outstanding at August 12, 2025 Common Stock, par value $0.01 Item1.Financial StatementsConsolidated Statements of Financial Condition1Consolidated Statements of Operations2Consolidated Statements of Comprehensive Income (Loss)3Consolidated Statement of Changes in Equity4Consolidated Statements of Cash Flows5Notes to Consolidated Financial Statements6Item2.Management’s Discussion and Analysis of Financial Condition and Results of Operations27Item3.Quantitative and Qualitative Disclosures About Market Risk42Item4.Controls and Procedures42PART II.OTHER INFORMATIONItem1.Legal Proceedings43Item1A.Risk Factors43Item2.Unregistered Sales of Equity Securities, Use of Proceeds, and Issuer Purchases of Equity Securities43Item3.Defaults Upon Senior Securities43Item4.Mine Safety Disclosures43Item5.Other Information43Item6.Exhibits43SIGNATURES45 CARVER BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF FINANCIAL CONDITION(Unaudited) CARVER BANCORP, INC. AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWS(Unaudited) CARVER BANCORP, INC. AND SUBSIDIARIESNotes to Consolidated Financial Statements (Unaudited) NOTE 1.ORGANIZATION Nature of operations Carver Bancorp, Inc. (on a stand-alone basis, the “Registrant”), was incorporated in May 1996 and its principal wholly-ownedsubsidiary is Carver Federal Savings Bank (the “Bank” or “Carver Federal”). Carver Federal's wholly-owned subsidiaries are CFSBRealty Corp., Carver Community Development Corporation (“CCDC”) and CFSB Credit Corp., which is currently inactive. The Bankhas a real estate investment trust, Carver Asset Corporation ("CAC"), that was formed in February 2004. “Carver,” the “Company,” “we,” “us” or “our” refers to the Company along with its consolidated subsidiaries. The Bank waschartered in 1948 and began operations in 1949 as Carver Federal Savings and Loan Association, a federally-chartered mutual savingsand loan association. The Bank converted to a federal savings bank in 1986. On October 24, 1994, the Bank converted from a mutualholding company structure to stock form and issued2,314,375shares of its common stock, par value $0.01per share. On October 17,1996, the Bank completed its reorganization into a holding company structure (the “Reorganization”) and became a wholly-ownedsubsidiary of the Company. Carver Federal’s principal business consists of attracting deposit accounts through its branches and investing those funds inmortgage loans and other investments permitted by federal savings banks. The Bank has seven branche