Headquartered in Savannah, Georgia, Carver State Bank is a state-chartered bank with $111.2M in total assets and $93.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1927.
Based on its Q2 2026 filing, Carver State Bank scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 124 banks headquartered in Georgia, it ranks 18th. Its strongest component is capital cushion (100/100; 14.99%), and its lowest is earnings (60/100; 1.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 18 points (71 → 89), mostly because the loan quality component improved by 72 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 79 |
| Q4 2024 | 71 |
| Q1 2025 | 78 |
| Q2 2025 | 71 |
| Q3 2025 | 90 |
| Q4 2025 | 82 |
| Q1 2026 | 82 |
| Q2 2026 | 89 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.41% |
| Q3 2024 | 18.05% |
| Q4 2024 | 16.33% |
| Q1 2025 | 15.74% |
| Q2 2025 | 15.70% |
| Q3 2025 | 16.01% |
| Q4 2025 | 14.07% |
| Q1 2026 | 14.31% |
| Q2 2026 | 14.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.06% |
| Q3 2024 | 1.81% |
| Q4 2024 | 2.28% |
| Q1 2025 | 1.61% |
| Q2 2025 | 2.51% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.29% |
| Q1 2026 | 0.49% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.52% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.31% |
| Q3 2025 | 1.50% |
| Q4 2025 | 0.48% |
| Q1 2026 | 0.65% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $111.2M | 14.99% | 0.37% | 1.00% | 50.0% |
| Q1 2026 | 82 | $115.2M | 14.31% | 0.49% | 0.65% | 45.5% |
| Q4 2025 | 82 | $117.1M | 14.07% | 0.29% | 0.48% | 45.5% |
| Q3 2025 | 90 | $113.2M | 16.01% | 0.64% | 1.50% | 48.4% |
| Q2 2025 | 71 | $109.8M | 15.70% | 2.51% | 1.31% | 49.5% |
| Q1 2025 | 78 | $107.5M | 15.74% | 1.61% | 1.24% | 48.2% |
| Q4 2024 | 71 | $106.7M | 16.33% | 2.28% | 0.93% | 47.0% |
| Q3 2024 | 79 | $91.5M | 18.05% | 1.81% | 1.52% | 56.1% |
| Q2 2024 | 71 | $87.7M | 18.41% | 2.06% | 1.00% | 61.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Georgia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples BankBank Willacoochee, GA | 73 out of 100, Strong | $109.3M | 12.4% | 0.89% | vs |
| The Citizens National Bank of QuitmanBank Quitman, GA | 81 out of 100, Strong | $133.7M | 11.6% | 0.21% | vs |
| Bank of HazlehurstBank Hazlehurst, GA | 90 out of 100, Very strong | $134.2M | 14.6% | 0.68% | vs |
| Planters and Citizens BankBank Camilla, GA | 71 out of 100, Strong | $139.2M | 10.5% | 0.06% | vs |
| The Merchants & Citizens BankBank Mcrae, GA | 79 out of 100, Strong | $146.0M | 13.2% | 0.36% | vs |
| The Farmers BankBank Greensboro, GA | 77 out of 100, Strong | $148.3M | 11.2% | 0.05% | vs |
Deposit insurance
Is my money safe at Carver State Bank?
Yes. Carver State Bank is an FDIC-insured institution (FDIC certificate #16584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.6% of deposits ($14.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.99%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Carver State Bank lists 2 offices in 1 city. Most locations:
- Savannah, GA (2)
Identity & history
Profile
- Legal name
- Carver State Bank
- Former names
- The Carver State Bank; The Carver Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16584
- RSSD ID
- 370833
- Primary regulator
- FDIC
- Holding company
- Carver Financial Corp
- Established
- January 1, 1927
- Headquarters
- 701 Martin Luther King Jr Blvd, Savannah, GA 31401
- Website
- www.carverstatebank.com
- Employees
- 23
Quick answers
Carver State Bank: common questions
Is Carver State Bank FDIC insured?
Yes. Carver State Bank is an FDIC-insured institution (FDIC certificate #16584). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Carver State Bank's TellerScore?
89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Carver State Bank ever failed?
There is no failure record for FDIC certificate #16584 in the FDIC failed bank list.
How many branches does Carver State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Savannah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Workmen'S Circle Incorporated Credit UnionCredit union Savannah, GA | 90 out of 100, Very strong | $135.0M | 20.8% | 0.00% | vs |
| First Century Bank, National AssociationBank Commerce, GA | 90 out of 100, Very strong | $831.6M | 16.8% | 0.00% | vs |
| Palmetto State BankBank Hampton, SC | 88 out of 100, Very strong | $597.5M | 14.8% | 0.12% | vs |
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Southern Energy Credit UnionCredit union Birmingham, AL | 84 out of 100, Strong | $3.6B | 14.6% | 0.23% | vs |
| Core Credit UnionCredit union Statesboro, GA | 79 out of 100, Strong | $151.6M | 12.8% | 0.37% | vs |