Side-by-side · Q2 2026 data
Carver Federal Savings Bank vs Empire State Bank
Metric by metric
| Measure | Carver Federal Savings Bank | Empire State Bank |
|---|---|---|
| TellerScore | 23 | 59 (stronger) |
| Capital cushion | 37 | 51 (stronger) |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 0 | 52 (stronger) |
| Funding & liquidity | 59 (stronger) | 50 |
| Problem-loan coverage | 28 | 86 (stronger) |
| Peer percentile | 0th | 17th |
| Total assets | $658.1M | $617.8M |
| Deposits / shares | $580.6M | $511.6M |
| Capital ratio | 8.73% | 10.13% (stronger) |
| Problem loans | 3.46% | 0.91% (stronger) |
| Net charge-offs | 0.21% | -0.02% (stronger) |
| Return on assets | -0.72% | 0.80% (stronger) |
| Loans ÷ deposits | 94.0% (stronger) | 102.9% |
| Uninsured deposits | 21.5% | 21.4% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Empire State Bank has the higher TellerScore (59 vs 23). On the 7 directional measures above (where higher or lower is clearly better), Carver Federal Savings Bank leads on 1 and Empire State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.