<span item_type="fundamental" item_id="911dbe99329e0c3c34c9080665349bbf" counter_id="ST/US/CARV" env="prod"></span><span item_type="announcement" item_id="582450618402081025" env="prod"></span><p>Revenue: As of FY2026 Q2, the actual value is USD 9.816 M.</p><p>EPS: As of FY2026 Q2, the actual value is USD -0.46.</p><p>EBIT: As of FY2026 Q2, the actual value is USD -7.563 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Interest Income</strong>: Total interest income for the three months ended September 30, 2025 was $8,567 thousand, compared to $9,826 thousand for the same period in 2024. For the six months ended September 30, 2025, total interest income was $17,771 thousand, compared to $19,033 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Interest Income</strong>: Net interest income for the three months ended September 30, 2025 was $5,132 thousand, compared to $5,995 thousand for the same period in 2024. For the six months ended September 30, 2025, net interest income was $10,773 thousand, compared to $11,499 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li><li><strong>Net Loss</strong>: The net loss for the three months ended September 30, 2025 was $2,431 thousand, compared to $2,113 thousand for the same period in 2024. For the six months ended September 30, 2025, the net loss was $3,608 thousand, compared to $4,325 thousand in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Net Cash Used in Operating Activities</strong>: Net cash used in operating activities for the six months ended September 30, 2025 was $1,815 thousand, compared to $5,376 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li><li><strong>Net Cash Provided by Investing Activities</strong>: Net cash provided by investing activities for the six months ended September 30, 2025 was $21,179 thousand, compared to $5,270 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li><li><strong>Net Cash Used in Financing Activities</strong>: Net cash used in financing activities for the six months ended September 30, 2025 was $28,932 thousand, compared to $4,374 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Allowance for Credit Losses</strong>: The allowance for credit losses at September 30, 2025 was $6,129 thousand, compared to $6,337 thousand at March 31, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><ul><li><strong>Core Business Focus</strong>: The Bank is working on taking appropriate actions with the goal of achieving the Individual Minimum Capital Ratio (IMCR) targets, which require the Bank to maintain minimum regulatory capital levels of 9% for its Tier 1 leverage ratio and 12% for its total risk-based capital ratio.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li><li><strong>Non-Core Business</strong>: The Company entered into an agreement with a third party for a $25.0 million revolving unsecured long-term, below-market-rate loan to support financing initiatives that reduce greenhouse gas emissions and promote energy efficiency.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1016178/000101617825000021/carv-20250930.htm"></span></li></ul>

Carver Bancorp | 10-Q: FY2026 Q2 Revenue: USD 9.816 M