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Carver State Bank
Savannah, GA · FDIC Certificate #16584 · Chartered 01/0
Total assets
$111.23M
Total deposits
$93.07M
Total equity
$16.90M
Net loans
$46.51M
Branches (offices)
2
Net income (YTD)
$573.00K
Rank: #3,598 of 4,213 U.S. banks by assets · #108 of 123 in Georgia. Assets changed 1.3% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 6.83% |
| Net interest margin (YTD) | 4.36% |
| Equity to assets | 15.19% |
| Tier 1 leverage ratio | 14.99% |
| Uninsured deposits (share of deposits) | 15.6% |
| Noncurrent loans (share of loans) | 0.37% |
| Net charge-offs (share of loans) | 1.21% |
| Loans to deposits | 50.0% |
| Real estate loans (share of loans) | 80.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.24M | 80.1% | |
| Commercial & industrial | $7.49M | 16.1% | |
| Consumer / individual | $2.37M | 5.1% | |
| Construction & development | $3.06M | 6.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $84.01M | $71.24M | $249.00K | $10.50M |
| Jun 2023 | $83.92M | $69.92M | $310.00K | $10.94M |
| Jun 2024 | $87.68M | $70.87M | $419.00K | $15.34M |
| Jun 2025 | $109.79M | $90.82M | $710.00K | $17.09M |
| Jun 2026 | $111.23M | $93.07M | $573.00K | $16.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Georgia | $93.07M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $93.07M.
Similar-sized banks
Midland Federal Savings And Loan Association ($111.23M) · Pikes Peak National Bank ($110.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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