Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 17 Sep 2013 |
| RSSD ID | 3190023 |
| Address | 701 Martin Luther King Jr Blvd, Savannah, GA 31401 Directions (Google Maps) |
| Website | www.carverstatebank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.carverstatebank.com or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$10.7 million in 14 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $650,000 |
| 2024 | Small Dollar Loan Program | $383,223 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $350,000 |
| 2021 | CDFI Program, Financial Assistance | $400,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Disability Funds, Financial Assistance | $500,000 |
| 2020 | CDFI Program, Financial Assistance | $500,000 |
| 2019 | CDFI Program, Financial Assistance | $424,000 |
| 2018 | CDFI Program, Financial Assistance | $300,000 |
| 2017 | CDFI Program, Financial Assistance | $580,405 |
| 2015 | CDFI Program, Financial Assistance | $150,000 |
| 2014 | CDFI Program, Financial Assistance | $306,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
New Markets Tax Credit allocations
$230 million in 5 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $70,000,000 |
| 2023 | New Markets Tax Credit allocation | $40,000,000 |
| 2022 | New Markets Tax Credit allocation | $40,000,000 |
| 2019 | New Markets Tax Credit allocation | $50,000,000 |
| 2017 | New Markets Tax Credit allocation | $30,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $15.9 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary banks on file with the FDIC: Carver State Bank (FDIC cert 16584, total assets $111.2 million); BHM Bank (FDIC cert 35314, total assets $17.4 million). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets (all subsidiary banks) | $128.6 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 in 2 states (as of 30 Oct 2026) |
Offices by state and county (3)
Georgia (2 offices)
- Chatham County (2): 701 Martin Luther King Jr Blvd, Savannah 31401; 7110 Skidaway Rd, Savannah 31406
Alabama (1 office)
- Jefferson County (1): 2170 Highland Ave S, Birmingham 35205
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures add up the Call Reports of the 2 active banks the FDIC lists under it: Carver State Bank (RSSD 370833, FDIC cert 16584), $47.1 million in loans; BHM Bank (RSSD 2877484, FDIC cert 35314), $10.6 million in loans. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $57.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 2.1% from $56.5 million on 30 Jun 2025 |
| Total assets | $128.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $11.8 million | 20.5% |
| Home equity lines of credit | $581,000 | 1.0% |
| Commercial real estate, construction and multifamily | $30.9 million | 53.6% |
| Commercial and industrial (business) loans | $11.9 million | 20.6% |
| Consumer loans (credit cards, auto, other) | $2.5 million | 4.3% |
| All other loans and leases | $11,000 | <0.1% |
None reported on the 30 Jun 2026 report: farmland and farm production loans.
Within consumer loans: auto loans $257,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 14 loans $571,000 | 23 loans $642,000 |
| $100,001 to $250,000 | 14 loans $1.7 million | 19 loans $1.8 million |
| $250,001 to $1 million | 18 loans $3.1 million | 17 loans $4.9 million |
| All small business loans | 46 loans $5.4 million | 59 loans $7.3 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 0 → 3 | Rank among the 6 certified CDFIs in Georgia with SBA approvals in either period: 3 → 2. |
| Total assets (Call Report, 30 Jun 2026) | $128.6 million | Larger than 30% of the 10 other certified banks and bank holding companies in Georgia (median $379.1 million). |
| Loans as a share of assets | 45% | Median of the same 10 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $56.5 million → $57.7 million (+2%) | Median change of 10 other certified banks and bank holding companies in Georgia: +5%. Rank by loans held among these 11: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in Georgia with SBA approvals FY2023–2026 | 5 | rank 3 → 2 of 6 |
| Call Report total assets | other certified banks and bank holding companies in Georgia | 10 | larger than 30% |
| Loans held then vs now | certified banks and bank holding companies in Georgia reporting both dates | 10 | rank 8 → 8 of 11 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 5 SBA-backed approvals for Carver Financial Corporation in fiscal years 2020–2026 (October 2019 to September 2026):
- 5 7(a) loans as the lender: $1.6M in total (gross amount approved), median $245,000
By fiscal year: FY2020 1 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 3.
By program
- 7(a) standard (5, 100%)
How this lender was matched in the SBA files: its subsidiary bank, FDIC cert 35314, found through the holding company's RSSD ID (SBA lists “BHM Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Carver Financial Corporation may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Savannah and Georgia
- Carver State BankBank or thrift · Savannah, GAOfficial list only
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- F A B Church Federal Credit UnionCredit union · Savannah, GAPersonal / consumer loansVerified
- Small Business Assistance CorporationLoan fund · Savannah, GACommercial real estate loans, Credit-builder loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
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