<SEC-DOCUMENT>0000943374-23-000404.txt : 20231003
<SEC-HEADER>0000943374-23-000404.hdr.sgml : 20231003
<ACCEPTANCE-DATETIME>20231003111322
ACCESSION NUMBER:		0000943374-23-000404
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		13
CONFORMED PERIOD OF REPORT:	20231001
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20231003
DATE AS OF CHANGE:		20231003

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13007
		FILM NUMBER:		231302056

	BUSINESS ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
		BUSINESS PHONE:		2128764747

	MAIL ADDRESS:	
		STREET 1:		75 W 125TH ST
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10027-4512
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k_100223.htm
<DESCRIPTION>CARVER BANCORP, INC. FORM 8-K OCTOBER 2, 2023
<TEXT>
<XBRL>
<html xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:srt="http://fasb.org/srt/2023" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:us-gaap="http://fasb.org/us-gaap/2023" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:country="http://xbrl.sec.gov/country/2023" xmlns:currency="http://xbrl.sec.gov/currency/2023" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:naics="http://xbrl.sec.gov/naics/2023" xmlns:sic="http://xbrl.sec.gov/sic/2023" xmlns:stpr="http://xbrl.sec.gov/stpr/2023" xmlns:exch="http://xbrl.sec.gov/exch/2023" xmlns:cef="http://xbrl.sec.gov/cef/2023" xmlns:carv="http://carverbank.com/20231001" xmlns="http://www.w3.org/1999/xhtml">
  <head>
    <title></title>
    <!-- Licensed to: Luse Gorman
         Document created using Broadridge PROfile 23.9.1.5178
         Copyright 1995 - 2023 Broadridge -->
    <meta http-equiv="Content-Type" content="text/html" />
</head>

<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; background-color: #ffffff;">
<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_c0646c55d2b1443789e649e8eadc4164" contextRef="c20231001to20231001" format="ixt:fixed-false">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_464abebf6424430088df8988ea97c5b8" contextRef="c20231001to20231001">0001016178</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="carv-20231001.xsd" xlink:type="simple"></link:schemaRef></ix:references><ix:resources><xbrli:context id="c20231001to20231001"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001016178</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2023-10-01</xbrli:startDate><xbrli:endDate>2023-10-01</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>

  <div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">WASHINGTON, D.C. 20549</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">__________</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_8b5dae82e0a349bdaeb8c6c66a7e5cc3" contextRef="c20231001to20231001">8-K</ix:nonNumeric></div>

    <div><br />
    </div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CURRENT REPORT</div>

    <div><br />
    </div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">PURSUANT TO SECTION 13 OR 15(d) OF THE</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">SECURITIES EXCHANGE ACT OF 1934</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Date of Report (Date of earliest event reported):&#160; <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_a18c8ddce8284780af0eff0bfd84167b" contextRef="c20231001to20231001" format="ixt:date-monthname-day-year-en">October 1, 2023</ix:nonNumeric></div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_493edc148b4e43bda7ff7ad99182ab9f" contextRef="c20231001to20231001">CARVER BANCORP, INC.</ix:nonNumeric><br />
      </span></div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">(Exact Name of Registrant as Specified in its Charter)</div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 30.77%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_a3e65f130b2d41caae5ace1ed02d2160" contextRef="c20231001to20231001" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></span><br />
            </div>
          </td>

    <td style="width: 3.85%; vertical-align: top;">&#160;</td>

    <td style="width: 30.77%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_4b3d89b7f22443ffa3be08321e0ddc56" contextRef="c20231001to20231001">001-13007</ix:nonNumeric></span><br />
            </div>
          </td>

    <td style="width: 3.85%; vertical-align: top;">&#160;</td>

    <td style="width: 30.77%; vertical-align: bottom;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_7e6f22fbb2454176b7dd842a69849abf" contextRef="c20231001to20231001">13-3904174</ix:nonNumeric></span><br />
            </div>
          </td>

  </tr>

  <tr>

    <td style="width: 30.77%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">(State or Other Jurisdiction</div>
            <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">of Incorporation)</div>
          </td>

    <td style="width: 3.85%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 30.77%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">(Commission File No.)</div>
          </td>

    <td style="width: 3.85%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 30.77%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(I.R.S. Employer</div>
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Identification No.)</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 62.89%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_dcf5d86b9e1f440fbfa215e45533f30f" contextRef="c20231001to20231001">75 West 125th Street</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_c086028b6598479da62e38ca047702a4" contextRef="c20231001to20231001">New York</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_a3a0946ecab34844adf24a8843fbb069" contextRef="c20231001to20231001" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric></span></div>
          </td>

    <td style="width: 3.73%; vertical-align: top;">&#160;</td>

    <td style="width: 3.73%; vertical-align: top;">&#160;</td>

    <td style="width: 29.66%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_c2f3b8b1e05c48b89941d9d0517a1a5f" contextRef="c20231001to20231001">10027-4512</ix:nonNumeric></span><br />
            </div>
          </td>

  </tr>

  <tr>

    <td style="width: 62.89%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(Address of Principal Executive Offices)</div>
          </td>

    <td style="width: 3.73%; vertical-align: top;">&#160;</td>

    <td style="width: 3.73%; vertical-align: top;">&#160;</td>

    <td style="width: 29.66%; vertical-align: bottom;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(Zip Code)</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Registrant&#8217;s telephone number, including area code: <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><span style="text-decoration: underline;">(<ix:nonNumeric name="dei:CityAreaCode" id="Fact_965ff2461a2146ab8e25cb4920d8719c" contextRef="c20231001to20231001">212</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_efa483605a344653b065284141d67286" contextRef="c20231001to20231001">360-8820</ix:nonNumeric></span></span></div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the
      following provisions (<span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">see</span> General Instruction A.2. below):</div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 8.49%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_662399efb9da440094a833b3301f26aa" contextRef="c20231001to20231001" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 91.51%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
          </td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">&#160;</td>

    <td style="width: 91.51%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_97e5aa31c7d24cdb9f185e885b4a6de7" contextRef="c20231001to20231001" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 91.51%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
          </td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">&#160;</td>

    <td style="width: 91.51%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_1ffdad412768424eb952567b0b4b4743" contextRef="c20231001to20231001" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 91.51%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
          </td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">&#160;</td>

    <td style="width: 91.51%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_3834ae2dc99d486c94940ce6784a5b60" contextRef="c20231001to20231001" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 91.51%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
          </td>

  </tr>

  <tr>

    <td style="width: 8.49%; vertical-align: top;">&#160;</td>

    <td style="width: 91.51%; vertical-align: top;">&#160;</td>

  </tr>


</table>
    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td colspan="3" style="vertical-align: top;">
            <div style="text-align: justify; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="vertical-align: top; width: 2%;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 31.21%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Title of each class</div>
          </td>

    <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td style="width: 23.62%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Trading symbol(s)</div>
          </td>

    <td style="width: 2%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>

    <td style="width: 41.17%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-weight: bold;">Name of each exchange on which registered</div>
          </td>

  </tr>

  <tr>

    <td style="width: 31.21%; vertical-align: top;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_d75c9d5686454c03abb0be88b7ebc0f7" contextRef="c20231001to20231001">Common stock, par value $0.01 per share</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>

    <td style="width: 23.62%; vertical-align: top;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_b4a48c43cb574a148a6e3e72ceb3b016" contextRef="c20231001to20231001">CARV</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 2%; vertical-align: top;" colspan="1">&#160;</td>

    <td style="width: 41.17%; vertical-align: top;">
            <div style="text-align: center; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_3d5399ed52e64b0eb5793be86d6d5077" contextRef="c20231001to20231001" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
            </div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or
      Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

    <div><br />
    </div>

    <div style="text-align: right; text-indent: 36pt; margin-left: 252pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_95b8bbdd3e3443af9395aac30a2ef979" contextRef="c20231001to20231001" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

    <div><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or
      revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#9744;</span></div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 72pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Item 5.02</td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">Departure of Directors of Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: left; text-indent: 36pt; margin-bottom: 12pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">As previously announced, Carver Bancorp, Inc. (the &#8220;Company&#8221;) and Carver Federal Savings Bank (the &#8220;Bank&#8221;) appointed
      Craig C. MacKay (the &#8220;Executive&#8221;) as the Company&#8217;s and Bank&#8217;s Interim President and Chief Executive Officer, effective October 1, 2023.</div>

    <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">In connection with the Executive&#8217;s appointment as the Interim President and Chief Executive Officer of the Company and Bank, the Bank
      entered into an employment agreement (the &#8220;Employment Agreement&#8221;) with the Executive effective October 1, 2023 and the key terms of the Employment Agreement are as follows:</div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Term</span>.&#160;The term of the Employment Agreement
                commenced on October 1, 2023 (the &#8220;Term&#8221;) and the Term will end upon the earlier of: (i) the date the Board of Directors appoints a permanent President and Chief Executive Officer of the Company and Bank, (ii) the Executive provides written
                notice to the Bank that the Term will expire at the end of the month in which the notice of expiration is delivered to the Bank, or (iii) April 1, 2024 provided that the Bank delivers a notice of expiration to the Executive no later than
                March 1, 2024.&#160; Commencing on April 1, 2024, if notice of expiration has not been delivered by either party, the Term shall automatically renew each month for an additional month until either party provides written notice to the other party
                that the Term will expire at the end of the month in which the notice of expiration is delivered.</div>
            </td>

  </tr>


</table>
    </div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Cash Compensation</span>. The Executive&#8217;s annual
                base salary will be $450,000, and the Executive may receive a bonus in the discretion of the Board of Directors or the Compensation Committee.</div>
            </td>

  </tr>


</table>
    </div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Equity Grant</span>. No later than five days after
                the last day of the Term (the &#8220;Grant Date&#8221;), the Executive will receive a grant of Company stock equal to <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the product of (i) 42,553 and (ii) a fraction, the
                  numerator of which is the total number of months (including partial months) in the Term and the denominator of which is 12.&#160; The award will be one-hundred percent (100%) vested as of the Grant Date.</span></div>
            </td>

  </tr>


</table>
    </div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Benefits</span>. The Executive will be entitled to
                participate in all employee benefit plans, arrangements and perquisites offered to senior management of the Bank, on terms and conditions no less favorable than the plans, arrangements and perquisites available to other members of senior
                management of the Bank.</div>
            </td>

  </tr>


</table>
    </div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Termination without Cause or for Good Reason
                  following a Change in Control</span>.&#160; In the event of a change in control of the Bank or the Company, followed by the Executive&#8217;s termination of employment without &#8220;cause&#8221; or with &#8220;good reason,&#8221; <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the Executive would be entitled to a severance payment in the form of a cash lump sum equal to </span>three times the sum of: (i) the Executive&#8217;s base salary at the date of termination (or
                the Executive&#8217;s base salary in effect during any of the&#160; prior three years, if higher); and (ii) the average annual total incentive bonus earned by the Executive for three most recently completed</div>
            </td>

  </tr>


</table>
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;"><br />
            </td>

    <td style="width: auto; vertical-align: top;"><br />
            </td>

  </tr>


</table>
    </div>

    <div style="text-align: left; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">calendar years prior to the change control, or if greater, the annual total incentive bonus that would have been earned in the year of the
      change of control at target bonus opportunity.&#160; In addition, <span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the Executive would be entitled to a cash lump sum payment equal to </span>the value of health care costs for
      thirty-six&#160; months<span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">.&#160; </span>The definitions of &#8220;cause&#8221; and &#8220;good reason&#8221; are set forth in the Employment Agreement.&#160;<span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#160;</span>In the event that payments to the Executive become subject to Sections 280G and 4999 of the Code, such payments would be reduced if such reduction would leave the Executive officer better off on an after-tax basis.&#160;</div>

    <div><br />
    </div>

    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#8226;</div>
            </td>

    <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Restrictive Covenants</span>. The Employment
                Agreement also provides non-competition and non-solicitation restrictions during the term of employment and for generally one year thereafter, and confidentiality during the term of employment and surviving the end of the term of
                employment.</div>
            </td>

  </tr>


</table>
    </div>

    <div><br />
    </div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The foregoing description of the Employment Agreement does not purport to be complete and it is qualified in its entirety by reference
      to the form of the Employment Agreement attached hereto as Exhibit 10.1 of this Current Report on Form 8-K and is incorporated by reference into this Item 5.02.</div>

    <div><br />
    </div>

    <div style="text-align: left; margin-bottom: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">Item 9.01</span><span style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</span><span style="font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Financial Statements and Exhibits</span></span></div>

    <div style="text-align: left; text-indent: 36pt; margin-bottom: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</span><span style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt" class="TRGRRTFtoHTMLTab">&#160;</span><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Exhibits</span></div>

    <div style="text-align: left; text-indent: 36pt; margin-bottom: 12pt;"><span style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><span style="text-decoration: underline;">Exhibit</span></span><span style="display: inline-block; text-indent: 0px; font-size: 1px; width: 72pt" class="TRGRRTFtoHTMLTab">&#160;</span><span style="font-weight: bold; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><span style="text-decoration: underline;">Description</span></span></div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 45pt;"><br />
          </td>

    <td style="width: 63pt; vertical-align: top; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-1_8k100223.htm">10.1</a></td>

    <td style="width: auto; vertical-align: top; text-align: left;">
            <div style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><a href="ex10-1_8k100223.htm">Employment Agreement with Craig C. MacKay</a></div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SIGNATURES</div>

    <div><br />
    </div>

    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its
      behalf by the undersigned, hereunto duly authorized.</div>

    <div><br />
    </div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">


  <tr>

    <td style="width: 40.96%; vertical-align: top;">&#160;</td>

    <td style="width: 6.15%; vertical-align: top;">&#160;</td>

    <td style="width: 52.88%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CARVER BANCORP, INC.</div>
            <div>&#160;</div>
            <div>&#160;</div>
          </td>

  </tr>

  <tr>

    <td style="width: 40.96%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">DATE: October 2, 2023</div>
          </td>

    <td style="width: 6.15%; vertical-align: top;">
            <div style="text-align: right; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">By:&#160;&#160; <br />
            </div>
          </td>

    <td style="width: 52.88%; vertical-align: top;">&#160;<span style="text-decoration: underline;"><span style="font-size: 12pt;"> /s/ Isaac Torres</span></span><br />
          </td>

  </tr>

  <tr>

    <td style="width: 40.96%; vertical-align: top;">&#160;</td>

    <td style="width: 6.15%; vertical-align: top;">&#160;</td>

    <td style="width: 52.88%; vertical-align: top;">
            <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Isaac Torres</div>
          </td>

  </tr>

  <tr>

    <td style="width: 40.96%; vertical-align: top;">&#160;</td>

    <td style="width: 6.15%; vertical-align: top;">&#160;</td>

    <td style="width: 52.88%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">SVP, General Counsel and Corporate Secretary</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

  </div>

</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ex10-1_8k100223.htm
<DESCRIPTION>EMPLOYMENT AGREEMENT WITH CRAIG C. MACKAY
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Luse Gorman
         Document created using Broadridge PROfile 23.9.1.5178
         Copyright 1995 - 2023 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
  <div style="text-align: right;"><font style="font-weight: bold;">EXHIBIT 10.1</font><br>
  </div>
  <div><br>
  </div>
  <div><br>
  </div>
  <div>
    <div style="text-align: center; margin-bottom: 18pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">AGREEMENT</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Agreement (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Agreement</u></font>&#8221;) is made and
      entered into effective as of the 1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup> day of October, 2023 (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Effective Date</u></font>&#8221;) by and between Carver Federal Savings Bank, a federally chartered
      savings bank (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Bank</u></font>&#8221;) and Craig C. MacKay (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Executive</u></font>&#8221;).&#160;
      Any reference to the &#8220;Company&#8221; shall mean Carver Bancorp, Inc., a Delaware corporation and the holding company of the Bank.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">RECITALS</div>
    <div style="text-align: center; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Executive is
      presently serving as a member of the Board of Directors of the Company and Bank (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Board of Directors</u></font>&#8221;); and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Board of Directors
      unanimously appointed the Executive as Interim President and Chief Executive Officer effective October 1, 2023; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the appointment of the
      Executive as Interim President and Chief Executive Officer will facilitate a smooth leadership transition since the current President and Chief Executive Officer will depart on September 30, 2023; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Board of Directors
      believes that it is in the best interests of the stockholders of the Company to enter into this Agreement to induce the Executive to continue employment with the Company and the Bank and to provide further incentive for the Executive to achieve the
      financial and performance objectives of the Company and Bank; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Bank desires to set
      forth the rights and responsibilities of Executive and the compensation payable to Executive, as modified from time to time; and</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">WHEREAS</font>, the Executive is willing
      to serve the Bank on the terms and conditions hereinafter set forth.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">NOW, THEREFORE</font>, in consideration
      of the mutual covenants herein contained, and upon the other terms and conditions hereinafter provided, the parties hereby agree as follows:</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">1.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">POSITION AND RESPONSIBILITIES.<br>
        <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Employment</u></font>.&#160; During the Term (as defined in Section 2(a)) of this
        Agreement, the Executive agrees to serve as Interim President and Chief Executive Officer of the Bank and the Company or any successor executive position with the Bank and the Company that is consented to, in writing, by the Executive (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Executive Position</u></font>&#8221;), and will perform the duties of and have all powers associated with the Executive Position as are appropriate for a person in the position
        of the Executive Position, as well as those as shall be assigned by the Board of Directors.&#160; As Interim President and Chief Executive Officer, the Executive will report directly to the Board of Directors.&#160; The Executive currently serves and shall
        continue to serve as a member of the Board of Directors of the Bank and the Company.&#160; During the term of this Agreement, the Executive also agrees to serve, if elected, as an officer, director or trustee of any</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <!--PROfilePageNumberReset%Num%2%%%-->
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">affiliate of the Bank and the Company and in such capacity to carry out the duties and responsibilities reasonably appropriate to any such position.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Responsibilities</u></font>.<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160; </font>During the Executive&#8217;s employment hereunder, the Executive will be employed on a full-time basis and devote the Executive&#8217;s full business time and best efforts, business judgment, skill and
        knowledge to the performance of the Executive&#8217;s duties and responsibilities related to the Executive Position.&#160; Except as otherwise provided in Section 1(c), or as may be approved by the Board of Directors, the Executive will not engage in any
        other business activity during the term of this Agreement.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Service on Other Boards and Committees</u></font>.&#160; The Bank encourages
        participation by the Executive on community boards and committees and in activities generally considered to be in the public interest, but the Board of Directors shall have the right to approve or disapprove, in its sole discretion, the Executive&#8217;s
        participation on those boards and committees except the Executive will continue to serve as a member of the Board of Directors and may continue to serve as a Director or Trustee, as applicable, of Equitable Holdings and Pioneer Funds.&#160; Upon
        expiration of the Term, the Executive will continue to serve as a member of the Board of Directors.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">2.</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">TERM.</font></div>
    <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"> <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Term</u></font>.<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160; </font>The term of this Agreement will begin as of the Effective Date (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Term</u></font>&#8221;) and the Term will end upon the
        earlier of: (i) the date the Board of Directors appoints a permanent President and Chief Executive Officer of the Company and Bank, (ii) the Executive provides written notice to the Bank that the Term will expire at the end of the month in which
        the notice of expiration is delivered to the Bank, or (iii) April 1, 2024 provided that the Bank delivers a notice of expiration to the Executive no later than March 1, 2024.&#160; Commencing on April 1, 2024, if notice of expiration has not been
        delivered by either party, the Term shall automatically renew each month for an additional month until either party provides written notice to the other party that the Term will expire at the end of the month in which the notice of expiration is
        delivered.&#160; In the event the Board of Directors meets to discuss the Term of the Agreement, the Executive may not be present at such meeting.</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Change in Control</u></font>.&#160; Notwithstanding the foregoing, in the event the
        Bank or the Company has entered into an agreement to effect a transaction that would be considered a Change in Control, as defined in Section 5, the Term of this Agreement will automatically extend so that it expires no less than three (3) years
        beyond the effective date of the Change in Control, subject to extensions as set forth in Section 2(a).</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>No Continued Employment Following Expiration of Term</u></font>.&#160; The
        Executive&#8217;s employment with the Company and Bank will automatically terminate upon expiration of the Term.&#160; Upon expiration of the Term, <font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the Executive&#8217;s service as a
          Director will not automatically terminate, and the Executive will continue to serve as a member of the Board of Directors.</font></font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
        </font></font></div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2cc6d3fe84e3484d925602417277ab58" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: -36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">3.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt; font-weight: bold;">COMPENSATION, BENEFITS AND REIMBURSEMENT.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Base Salary</u></font>.&#160; In consideration of the Executive&#8217;s performance of
        the</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">responsibilities and duties set forth in this Agreement, the Executive will receive an annual base salary of $450,000 per year<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;</font>(&#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Base Salary</u></font>&#8221;).&#160; The Base Salary will be paid on an annual basis and in accordance
      with the Bank&#8217;s customary payroll practices.&#160; During the term of this Agreement, the Board of Directors (or the Compensation Committee of the Board of Directors (the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Compensation






          Committee</u></font>&#8221;)) may increase, but not decrease, the Executive&#8217;s Base Salary.&#160; Any increase in Base Salary will become the new &#8220;Base Salary&#8221; for purposes of this Agreement.&#160; </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Equity Grant</u></font>.&#160; The Executive will receive a grant of Company stock
        equal to <font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the product of (i) 42,553, which is equal to $100,000 divided by the thirty (30) trading day average closing price of the Company&#8217;s common stock preceding
          October 1, 2023 as reported on The NASDAQ Stock Market, LLC and without regard to any after-hours trading, and (ii) a fraction, the numerator of which is the total number of months (including partial months) in the Term and the denominator of
          which is 12.&#160; For purposes of this Section 3(b), the stock will be granted to the Executive no later than five days after the last day of the Term (the &#8220;<u>Grant Date</u>&#8221;), the award will be one-hundred percent (100%) vested as of the Grant
          Date.</font></font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Bonus and Incentive Compensation</u></font>.&#160; The Executive may receive a
        bonus, if any, on a discretionary basis, as determined by the Board of Directors or the Compensation Committee.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Benefit Plans</u></font>.&#160; The Executive will be entitled to participate in
        all employee benefit plans, arrangements and perquisites offered to senior management of the Bank, on terms and conditions no less favorable than the plans, arrangements and perquisites available to other members of senior management of the Bank.&#160;
        Without limiting the generality of the foregoing provisions of this Section&#160;3(d), the Executive also will be entitled to participate in any employee benefit plans including but not limited to retirement plans, pension plans, profit-sharing plans,
        health-and-accident plans, or any other employee benefit plan or arrangement made available by the Bank in the future to management employees, subject to and on a basis consistent with the terms, conditions and overall administration of the plans
        and arrangements as applicable to other management employees.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Leave and Paid Time Off</u></font>.&#160; The Executive will be entitled to paid
        time off each year during the term of this Agreement measured on a calendar year basis, in accordance with the Bank&#8217;s customary practices and in accordance with the Bank&#8217;s policies and procedures for officers, in addition to all holidays observed
        by the Bank.&#160; Any unused paid time off during an annual period will be treated in accordance with the Bank&#8217;s personnel policies as in effect from time to time.</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Expense Reimbursements</u></font>.&#160; The Bank will reimburse the Executive for
        all reasonable travel, entertainment and other expenses incurred by the Executive in performing the Executive&#8217;s obligations under this Agreement, including, without limitation, fees for memberships in organizations that the Executive and the Board
        of Directors or the Compensation Committee mutually agree are necessary and appropriate in connection with the performance of the Executive&#8217;s duties under this Agreement.&#160; All reimbursements will be made as soon as practicable upon substantiation
        of the expenses by the Executive in accordance with the applicable policies and procedures of the Bank and, in any event, not later than the sixty (60) days following the date in which the Executive incurred the expense.</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Transportation and Review of Agreement.</u></font>&#160; The Bank will reimburse
        the Executive for reasonable legal expenses to review the Agreement in an amount not to exceed $10,000.&#160; In addition, the Bank will pay or reimburse the Executive for reasonable transportation expenses to the Bank&#8217;s offices on a tax adjusted
        basis.&#160; All reimbursements will be made as soon as practicable upon substantiation of the expenses by the Executive in accordance with the applicable policies and procedures of the Bank and, in any event, not later than the sixty (60) days
        following the date in which the Executive incurred the expense.</font></div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zea59f4140d604713ab7ad24a479360d8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">4.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">TERMINATION AND TERMINATION PAY.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Subject to Section 5, which governs the occurrence of a Change in Control, the Executive&#8217;s employment under this Agreement will
      terminate under the circumstances set forth in this Section 4.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Definition of Accrued Obligations</u></font>.&#160; For purposes of this Agreement,
        the term &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Accrued Obligations</u></font>&#8221; means the sum of: (i) any Base Salary earned but unpaid through the Executive&#8217;s Date of Termination, (ii) unpaid expense
        reimbursements (subject to, and in accordance with, Section 3(g)), (iii) unused paid time off accrued through the Date of Termination, (iv) any earned but unpaid short-term and long-term incentive compensation for the year immediately preceding the
        year of termination, (v) any vested benefits the Executive may have under any employee benefit plan of the Bank through the Date of Termination, which vested benefits will be paid and/or provided in accordance with the terms of the employee benefit
        plans, and (vi) grant of stock in accordance with Section 3(b).&#160; Unless otherwise provided by the applicable employee benefit plan, the Accrued Obligations, if any, will be paid to the Executive (or the Executive&#8217;s estate or beneficiary) within
        thirty (30) days following the Executive&#8217;s Date of Termination,</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Death</u></font>.&#160; This Agreement and the Executive&#8217;s employment with the Bank
        will terminate upon the Executive&#8217;s death, in which event the Bank&#8217;s sole obligation will be to pay or provide the Executive&#8217;s estate or beneficiary any Accrued Obligations.<br>
        <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Disability</u></font>.&#160; This Agreement and the Executive&#8217;s employment with the
        Bank will terminate upon the Executive&#8217;s disability, as such term is defined in the Bank&#8217;s long-term disability plan, in which event the Bank&#8217;s sole obligation will be to pay or provide the Executive&#8217;s estate or beneficiary any Accrued Obligations.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Termination for Cause</u></font>.&#160; The Board of Directors may immediately
        terminate the Executive&#8217;s employment and this Agreement at any time for &#8220;Cause.&#8221;&#160; In the event the Executive&#8217;s employment is terminated for Cause, the Bank&#8217;s sole obligation will be to pay or provide to the Executive any Accrued Obligations.&#160; For
        purposes of this Agreement, the term &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Cause</u></font>&#8221; means termination because of, in the good faith determination of the Board of Directors:</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the conviction of the Executive of a felony or of any lesser
          criminal offense involving moral turpitude (other than for traffic violations)</font>;</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(ii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">the willful commission by the Executive of a criminal or other act that, in the judgment of the Board of Directors will likely cause substantial
        economic damage to</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">the Company, the Bank or any subsidiary or substantial injury to the business reputation of the Company, the Bank or any subsidiary;</div>
    <div style="text-align: justify; margin-left: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(iii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">incompetence in performing Executive&#8217;s duties on behalf of the Bank;</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(iv)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">the commission by the Executive of an act of fraud in the performance of his duties on behalf of the Company, the Bank or any subsidiary;</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(v)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;">the continuing willful failure of the Executive to perform his duties to the Company, the Bank or any subsidiary (other than any such failure
        resulting from the Executive&#8217;s incapacity due to physical or mental illness or the Executive declining to perform any assigned duties to the extent such assignment or duties would constitute a violation of law) after written notice thereof;</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(vi)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">a material breach by the Executive of the Bank&#8217;s or the Company&#8217;s
          Code of Ethics;</font> or</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(vii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">an order of a federal or state regulatory agency or a court of
          competent jurisdiction requiring the termination of the Executive&#8217;s employment with the Bank or the Company</font>.</font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Any determination of Cause under this Agreement will be made by resolution adopted by the Board of Directors at a meeting called and
      held for that purpose.&#160; The Executive will be provided with reasonable notice of the meeting and the Executive will be given an opportunity to be heard before a vote is taken by the disinterested members of the Board of Director regarding the
      termination of employment.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Resignation by Executive</u></font>. The Executive may resign from employment
        during the term of this Agreement upon at least thirty (30) days prior written notice to the Board of Directors, provided, however, that the Bank may accelerate the Date of Termination upon receipt of written notice of the Executive&#8217;s resignation.&#160;
        In the event the Term ends under paragraph 2(a), or the Executive resigns, the Bank&#8217;s sole obligation under this Agreement will be to pay or provide any Accrued Obligations to the Executive.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Effect on Status as a Director</u></font>.&#160; In the event of the Executive&#8217;s
        termination of employment under this Agreement for any reason, whether by the Bank and the Company or by the Executive, and unless otherwise agreed to by the mutual consent of the Executive and the Bank and the Company, the termination will not
        impact the Executive&#8217;s status as a director of the Bank and the Company, as well as a director of any subsidiary or affiliate thereof, to the extent the Executive is serving as a director of any of the aforementioned entities.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div>
      <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Notice; Effective Date of Termination</u></font>.&#160; Any Notice of Termination
          of employment under this Agreement must be communicated by or to the Executive or the Bank, as applicable, in accordance with Section 17.&#160; For purposes of this Agreement, the term &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Date of Termination</u></font>&#8221; means the Executive&#8217;s termination of employment pursuant to this Agreement, which will be effective on the earliest of: (i) immediately after the Bank gives notice to the Executive of the
          Executive&#8217;s termination without Cause, unless the parties agree to a later date,</font></div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div><br>
      </div>
    </div>
    <div>
      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">in which case, termination will be effective as of such later date; (ii) immediately upon approval by the Board of Directors of termination of the
        Executive&#8217;s employment for Cause; (iii) immediately upon the Executive&#8217;s death or disability; or (iv) thirty (30) days after the Executive gives written notice to the Bank of the Executive&#8217;s resignation from employment (including with Good Reason
        on or after a Change in Control), provided that the Bank may set an earlier termination date at any time prior to the date of termination of employment, in which case the Executive&#8217;s resignation shall be effective as of that date.&#160; <font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If, within 30 days after any Notice of Termination of employment by the Bank, the Executive notifies the Bank that a dispute exists concerning the termination, the parties
          shall promptly proceed to arbitration, as provided in Section 14.&#160;&#160;Notwithstanding the pendency of any such dispute, the Bank may discontinue paying the Executive&#8217;s compensation until the dispute is finally resolved in accordance with this
          Agreement.&#160;&#160;If it is determined that the Executive is entitled to compensation and benefits under this Agreement, the payment of such compensation and benefits by the Bank shall commence immediately following the date of resolution by
          arbitration, with interest due the Executive on the cash amount that would have been paid pending arbitration (at the prime rate as published in&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-style: italic;">The Wall Street Journal</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#160;from time to time).</font></div>
      <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160;</div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf4323cc7534a4d1186edea4b24696b5a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">5.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CHANGE IN CONTROL.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Change in Control Defined</u></font>.&#160; For purposes of this Agreement, the
        term &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Change in Control</u></font>&#8221; means: (i) a change in the ownership of the Corporation; (ii) a change in the effective control of the Corporation; or (iii) a
        change in the ownership of a substantial portion of the assets of the Corporation as defined in accordance with Code Section 409A.&#160; For purposes of this Section 5(a), the term &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Corporation</u></font>&#8221; means the Bank, the Company or any of their successors, as applicable.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;">
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;"> </font><font style="font-size: 12pt;">A change in the ownership of a Corporation occurs on the date that any one person, or more than one person acting as a group (as defined in Treasury Regulation 1.409A-3(i)(5)(v)(B)),
          acquires ownership of stock of the Corporation that, together with stock held by such person or group, constitutes more than fifty (50) percent of the total fair market value or total voting power of the stock of the Corporation.</font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;">
        <div><br>
        </div>
        <div>
          <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(ii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 12pt; width: 36pt;"> </font><font style="font-size: 12pt;">A change in the effective control of the Corporation occurs on the date that either (A) any one person, or more than one person acting as a group (as defined in Treasury Regulation 1.409A-3(i)(5)(vi)(D)) acquires (or has acquired
              during the 12-month period ending on the date of the most recent acquisition by such person or persons) ownership of stock of the Corporation possessing thirty (30) percent or more of the total voting power of the stock of the Corporation, or
              (B) a majority of the members of the board of directors of the Corporation is replaced during any twelve (12) month period by directors whose appointment or election is not endorsed by a majority of the members of the board of directors prior
              to the date of the appointment or election, provided that this subsection &#8220;(B)&#8221; is inapplicable where a majority stockholder of the Corporation is another corporation.</font></div>
          <div style="text-align: justify;"><br>
            <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(iii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 12pt; width: 36pt;">&#160;</font><font style="font-size: 12pt;">A change in a substantial portion of the Corporation&#8217;s assets occurs on the date that any one person or more than one person acting as a group (as defined in Treasury Regulation 1.409A-3(i)(5)(vii)(C)) acquires (or has acquired
                during the twelve</font></div>
          </div>
        </div>
      </div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></div>
      <font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">(12) month period ending on the date of the most recent acquisition by such person or persons) assets from the Corporation that have a
      total gross fair market value equal to or more than forty (40) percent of the total gross fair market value of (A) all of the assets of the Corporation, or (B) the value of the assets being disposed of, either of which is determined without regard to
      any liabilities associated with such assets.</div>
    <div style="text-align: justify; margin-left: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">For all purposes hereunder, the definition of Change in Control shall be construed to be consistent with the requirements of Treasury
      Regulation 1.409A-3(i)(5), except to the extent that such regulations are superseded by subsequent guidance.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Change in Control Benefits</u></font>.&#160; Upon the termination of the
        Executive&#8217;s employment by the Bank or the Company (or any successor) without Cause or by the Executive with Good Reason (as defined in Section 5(c)) during the Term and within two years on or after a Change in Control, the Bank (or any successor)
        will pay or provide the Executive, or the Executive&#8217;s estate in the event of the Executive&#8217;s death, with the following:<br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><br>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt;">any Accrued Obligations;</font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><br>
        <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(ii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 12pt; width: 36pt;"> </font><font style="font-size: 12pt;">a cash&#160; payment (the &#8220;<font style="font-family: 'Times New Roman',Times,serif;"><u>Change in Control Severance</u></font>&#8221;) equal to three (3) times the sum of: (A) the Executive&#8217;s Base Salary at the Date of Termination (or the
            Executive&#8217;s Base Salary in effect during any of the&#160; prior three years, if higher); and (B) the average annual total incentive bonus earned by the Executive for three (3) most recently completed calendar years prior to the Change&#160; Control, or
            if greater, the annual total incentive bonus that would have been earned in the year of the Change of Control at target bonus opportunity; which cash payment shall be paid in a lump sum within thirty (30) days of the Executive&#8217;s Date of
            Termination; and</font></div>
        <div style="text-align: justify;"><br>
          <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(iii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 36pt;"> </font><font style="font-size: 12pt;">the value of health care costs for thirty-six (36)&#160; months (based on the COBRA cost in effect for continued insurance coverage at the Date of Termination, whether or not the Executive elects COBRA); which shall be paid in cash in a
              lump sum within thirty (30) days of the Executive&#8217;s Date of Termination.</font></div>
        </div>
      </div>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt;"> </font><br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Good Reason for purposes of Section 5(b) exists if, without the Executive&#8217;s express written consent, any of the following occur:</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">a material reduction in the Executive&#8217;s Base Salary<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">;</font></font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
        </font></font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(ii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">a material reduction in the Executive&#8217;s authority, duties or responsibilities from the position and attributes associated with the Executive
        Position;</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(iii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">the failure to re-appoint the Executive to the Executive Position set forth under Section 1(a), or a failure to nominate and recommend the
        election of the Executive to the Board of Directors of the Company or to appoint or nominate and elect the Executive to the Board of Directors of the Bank;</font></div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><br>
      <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(iv)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 36pt;"> </font><font style="font-size: 12pt;">a
          relocation of the Executive&#8217;s principal place of employment by more than twenty (20) miles from the Bank&#8217;s main office; or</font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">&#160;</font></font></div>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman',Times,serif; font-size: 12pt; margin-left: 36pt;"> <font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;">(v)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 36pt;">&#160;</font><font style="font-size: 12pt;">a </font>material breach of this Agreement by the Bank.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">In order to terminate employment for Good Reason, Executive must, within sixty (60) days of the occurrence of any of the events
      described in Section 5(c), provide notice to the Bank of the existence of the &#8220;Good Reason&#8221; condition and provide the Bank thirty (30) days in which to cure such condition.&#160; In the event that the Bank does not cure the condition within thirty (30)
      days of such notice, Executive may resign from employment for &#8220;Good Reason&#8221; within thirty (30) days of the end of the foregoing cure period by written notice (the &#8220;Notice of Termination&#8221;) delivered to the Bank.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">6.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">COVENANTS OF EXECUTIVE<br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Non-Solicitation/Non-Compete</u></font>.&#160; The Executive hereby covenants and
        agrees that during the &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Restricted Period</u></font>,&#8221; the Executive will not, without the written consent of the Bank, either directly or indirectly:</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-indent: 36pt;">
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(i)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 12pt; width: 36pt;"> </font><font style="font-size: 12pt;">solicit, offer employment to, or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any officer or
          employee of the Bank, or any of its respective subsidiaries or affiliates, to terminate his or her employment with the Bank and/or accept employment with another employer; or</font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt;"> <br>
        </font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(ii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font><font style="font-size: 12pt;">become an officer, employee, consultant, director, trustee, independent contractor, agent, joint venturer, partner or trustee of any community bank (i.e., a bank with assets less than two
          billion dollars ($2,000,000,000) or minority deposit institution, or any direct or indirect subsidiary or affiliate of any such entity, that competes with the business of the Bank: (A) in any city, town or county in which the Bank has an office
          or has filed an application for regulatory approval to establish an office as of the date of Executive's termination of employment (the &#8220;Restricted Territory&#8221;), or (B) has one or more offices, but is not headquartered, within the Restricted
          Territory, but in the latter case, only if the Executive would be employed, conduct business or have other responsibilities or duties within the Restricted Territory; or</font></div>
      <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt;">
        <div><br>
        </div>
        <div><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(iii)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt"> </font><font style="font-size: 12pt;">solicit,



            provide any information, advice or recommendation or take any other action intended (or that a reasonable person acting in like circumstances would expect) to have the effect of causing any customer of the Bank to terminate an existing business
            or commercial relationship with the Bank.</font></div>
        <font style="font-size: 12pt;"> </font></div>
      <div style="text-align: justify; text-indent: 63pt; margin-left: 45pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"><font style="width: 9pt; font-size: 1px; display: inline-block;" class="HorizontalTab">&#160;&#160;&#160;</font></font></div>
      <font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Except as otherwise provided for in Section 18, for purposes of this Section 6(a), the &#8220;Restricted Period&#8221; will be: (i) at all times
      during Executive&#8217;s period of employment with the Bank; and (ii) except as provided above, during the period beginning on Executive&#8217;s Date of Termination and ending on the one-year anniversary of the Date of Termination.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Confidentiality</u></font>.&#160; The Executive recognizes and acknowledges that
        the Executive has been and will be the recipient of confidential and proprietary business information concerning the Bank, including without limitation, past, present, planned or considered business activities of the Bank, and the Executive
        acknowledges and agrees that the Executive will not, during or after the term of the Executive&#8217;s employment, disclose such confidential and</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-indent: 36pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt">&#160;</font><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">proprietary information for any purposes whatsoever, except as may be expressly permitted in a writing signed by the Bank, or as may be required by
      regulatory inquiry, law or court order.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Information/Cooperation</u></font>.&#160; The Executive will, upon reasonable
        notice, furnish any information and assistance to the Bank as may be reasonably required by the Bank, at the expense of the Bank, in connection with any litigation in which it or any of its subsidiaries or affiliates is, or may become, a party;
        provided, however, that the Executive shall not be required to provide information or assistance with respect to any litigation between the Executive and the Bank or any other subsidiaries or affiliates.</font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;"><u>Reliance</u></font>.&#160; Except as otherwise provided, all payments and benefits
        to the Executive under this Agreement will be subject to the Executive&#8217;s compliance with this Section 6, to the extent applicable.&#160; The parties hereto, recognizing that irreparable injury will result to the Bank, its business and property in the
        event of the Executive&#8217;s breach of this Section 6, agree that, in the event of any such breach by the Executive, the Bank will be entitled, in addition to any other remedies and damages available, to an injunction to restrain the violation hereof
        by the Executive and all persons acting for or with the Executive.&#160; The Executive represents and admits that the Executive&#8217;s experience and capabilities are such that the Executive can obtain employment in a business engaged in other lines of
        business than the Bank, and that the enforcement of a remedy by way of injunction will not prevent Executive from earning a livelihood.&#160; Nothing herein will be construed as prohibiting the Bank from pursuing any other remedies available to them for
        such breach or threatened breach, including the recovery of damages from the Executive.<br>
      </font></div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">7.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SOURCE OF PAYMENTS.<br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">All payments provided in this Agreement shall be timely paid by check or direct deposit from the general funds of the Bank (or any
      successor of the Bank).</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">8.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">EFFECT ON PRIOR AGREEMENTS AND EXISTING BENEFITS PLANS. </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Agreement contains the entire understanding between the parties hereto and supersedes any prior employment agreement between the
      Bank or any predecessor of the Bank and the Executive, except that this Agreement shall not affect or operate to reduce any benefit or compensation inuring to the Executive under another plan, program or agreement (other than an employment agreement)
      between the Bank and the Executive.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z57fc3a648fa14528a8d89c7932718751" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: -36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">9.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; text-indent: 72pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NO ATTACHMENT; BINDING ON SUCCESSORS.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Except as required by law, no right to receive payments under this Agreement shall be subject to anticipation, commutation, alienation, sale, assignment, encumbrance, charge,
        pledge, or hypothecation, or to execution, attachment, levy, or similar process or assignment by operation of law, and any attempt, voluntary or involuntary, to affect any such action shall be null, void, and of no effect.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">The Bank shall require any successor or assignee, whether direct or indirect, by purchase, merger, consolidation or otherwise, to all or substantially all the business or assets
        of the Bank, expressly and unconditionally to assume and agree to perform the Bank&#8217;s obligations</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">under this Agreement, in the same manner and to the same extent that the Bank would be required to perform if no such succession or assignment had taken
      place.&#160; A successor&#8217;s failure to assent to this Agreement following a Change in Control shall be deemed to be a material breach of this Agreement under Section 5(c) hereof.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">10.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">MODIFICATION AND WAIVER.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">This Agreement may not be modified or amended except by an instrument in writing signed by the parties hereto.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">No term or condition of this Agreement shall be deemed to have been waived, nor shall there be any estoppel against the enforcement of any provision of this Agreement, except by
        written instrument of the party charged with such waiver or estoppel.&#160; No such written waiver shall be deemed a continuing waiver unless specifically stated therein, and each waiver shall operate only as to the specific term or condition waived and
        shall not constitute a waiver of the term or condition for the future as to any act other than that specifically waived.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 36pt; vertical-align: top; text-align: right;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">11.</div>
          </td>
          <td style="width: auto; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CERTAIN APPLICABLE LAW.</div>
          </td>
        </tr>

    </table>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Notwithstanding anything herein contained to the contrary, the following provisions shall apply:</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">The Bank may terminate the Executive&#8217;s employment at any time, but any termination by the Bank other than termination for Cause shall not prejudice the Executive&#8217;s right to
        compensation or other benefits under this Agreement.&#160; The Executive shall have no right to receive compensation or other benefits under this Agreement for any period after the Executive&#8217;s termination for Cause, other than the Accrued Obligations.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">In no event shall the Bank (nor any affiliate) be obligated to make any payment pursuant to this Agreement that is prohibited by Section 18(k) of the Federal Deposit Insurance
        Act (codified at 12 U.S.C. sec. 1828(k)), 12 C.F.R. Part 359, or any other applicable law.</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Notwithstanding anything in this Agreement to the contrary, to the extent that a payment or benefit described in this Agreement constitutes &#8220;non-qualified deferred compensation&#8221;
        under Section 409A of the Code, and to the extent that the payment or benefit is payable upon the Executive&#8217;s termination of employment, then the payments or benefits will be payable only upon the Executive&#8217;s &#8220;Separation from Service.&#8221;&#160; For
        purposes of this Agreement, a &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Separation from Service</u></font>&#8221; will have occurred if the Bank and the Executive reasonably anticipate that either no further
        services will be performed by the Executive after the Date of Termination (whether as an employee or as an independent contractor) or the level of further services performed is less than fifty (50) percent of the average level of bona fide services
        in the thirty-six (36) months immediately preceding the termination.&#160; For all purposes hereunder, the definition of Separation from Service shall be interpreted consistent with Treasury Regulation Section 1.409A-1(h)(ii).</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(d)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Notwithstanding the foregoing, if the Executive is a &#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Specified Employee</u></font>&#8221; (i.e., a
        &#8220;key employee&#8221; of a publicly traded company within the meaning of Section 409A of the Code and the regulations issued thereunder) and any payment under this Agreement is triggered due to</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">the Executive&#8217;s Separation from Service, then solely to the extent necessary to avoid penalties under Section 409A of the Code, no payment will be made
      during the first six (6) months following the Executive&#8217;s Separation from Service.&#160; Rather, any payment which would otherwise be paid to the Executive during such period shall be accumulated and paid to the Executive in a lump sum on the first day of
      the seventh month following the Separation from Service.&#160; All subsequent payments shall be paid in the manner specified in this Agreement.</div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(e)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">To the extent not specifically provided in this Agreement, any compensation or reimbursements payable to Executive shall be paid or provided no later than two and one-half (2.5)
        months after the calendar year in which such compensation is no longer subject to a substantial risk of forfeiture within the meaning of Treasury Regulation Section 1.409A-1(d).<br>
        <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(f)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Each payment pursuant to this Agreement is intended to constitute a separate payment for purposes Treasury Regulation Section 1.409A-2(b)(2).</font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(g)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Notwithstanding anything in this Agreement to the contrary, the </font>Executive understands that
        nothing contained in this Agreement limits the Executive&#8217;s ability to file a charge or complaint with the Securities and Exchange Commission or any other federal, state or local governmental agency or commission (&#8220;<font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;"><u>Government Agencies</u></font>&#8221;) about a possible securities law violation without approval of the Bank (or any affiliate).&#160; The Executive further understands that this Agreement does not limit
        the Executive&#8217;s ability to communicate with any Government Agency or otherwise participate in any investigation or proceeding that may be conducted by any Government Agency, including providing documents or other information, without notice to the
        Bank (or any affiliate) related to the possible securities law violation.&#160; This Agreement does not limit the Executive&#8217;s right to receive any resulting monetary award for information provided to any Government Agency. In addition, pursuant to the
        Defend Trade Secrets Act of 2016, the Executive understands that an individual may not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that (i) is made (A) in confidence to a
        federal, state or local government official, either directly or indirectly, or to an attorney; and (B) solely for the purpose of reporting or investigating a suspected violation of law; or (ii) is made in a complaint or other document that is filed
        under seal in a lawsuit or other proceeding.&#160; Further, an individual who files a lawsuit for retaliation by an employer for reporting a suspected violation of law may disclose the employer's trade secrets to the attorney and use the trade secret
        information in the court proceeding if the individual (y) files any document containing the trade secret under seal; and (z) does not disclose the trade secret, except pursuant to court order.</font></div>
    <div style="text-align: justify;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">12.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">SEVERABILITY.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">If any provision of this Agreement is determined to be void or unenforceable, then the remaining provisions of this Agreement will
      remain in full force and effect.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">13.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">GOVERNING LAW.<br>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">This Agreement shall be governed by the laws of the State of New York, but only to the extent not superseded by federal law.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">14.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">ARBITRATION.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;"> <br>
      </font></div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><font style="font-size: 10pt; font-family: 'Times New Roman', Times, serif;">&#160;</font>In the event that any dispute should arise between
      the parties as to the meaning, effect, performance, enforcement, or other issue in connection with this Agreement, which dispute cannot be resolved by the parties, the dispute shall be decided by final and binding arbitration of a panel of three
      arbitrators. Proceedings in arbitration and its conduct shall be governed by the rules of the American Arbitration Association (&#8220;AAA&#8221;) applicable to commercial arbitrations (the &#8220;Rules&#8221;) except as modified by this Section 14. The Executive shall
      appoint one arbitrator, the Bank shall appoint one arbitrator, and the third shall be appointed by the two arbitrators appointed by the parties. The third arbitrator shall be impartial and shall serve as chairman of the panel. The parties shall
      appoint their arbitrators within thirty (30) days after the demand for arbitration is served, failing which the AAA promptly shall appoint a defaulting party&#8217;s arbitrator, and the two arbitrators shall select the third arbitrator within fifteen (15)
      days after their appointment, or if they cannot agree or fail to so appoint, then the AAA promptly shall appoint the third arbitrator. The arbitrators shall render their decision in writing within thirty (30) days after the close of evidence or other
      termination of the proceedings by the panel, and the decision of a majority of the arbitrators shall be final and binding upon the parties, nonappealable, except in accordance with the Rules and enforceable in accordance with the applicable state
      law. Any hearings in the arbitration shall be held in Middlesex County, New York unless the parties agree upon a different venue, and shall be private and not open to the public. Each party shall bear the fees and expenses of its arbitrator, counsel,
      and witnesses, and the fees and expenses of the third arbitrator shall be shared equally by the parties. The other costs of the arbitration, including the fees of AAA, shall be borne as directed in the decision of the panel.&#160; If the Executive is
      successful on the merits of the dispute, as determined in the arbitration, all legal fees and such other expenses as reasonably incurred by the Executive as a result of or in connection with or arising out of the dispute, shall be paid by the Bank,
      provided that such payment or reimbursement is made by the Bank not later than two and one-half months after the end of the year in which such dispute is resolved in Executive&#8217;s favor.</div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">15.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">INDEMNIFICATION.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">The Bank will provide the Executive (including the Executive&#8217;s heirs, executors and administrators) with coverage under a standard
      directors&#8217; and officers&#8217; liability insurance policy at its expense, and will indemnify the Executive (and the Executive&#8217;s heirs, executors and administrators) in accordance with the charter and bylaws of the Bank and to the fullest extent permitted
      under applicable law against all expenses and liabilities reasonably incurred by the Executive in connection with or arising out of any action, suit or proceeding in which the Executive may be involved by reason of having been a trustee, director or
      officer of the Bank or any subsidiary or affiliate of the Bank.</div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;"> <br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman',Times,serif; font-size: 12pt;">
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">16.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">TAX WITHHOLDING.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">The Bank may withhold from any amounts payable to the
        Executive hereunder all federal, state, local or other taxes that the Bank may reasonably determine are required to be withheld pursuant to any applicable law or regulation (it being understood that Executive is responsible for payment of all taxes
        in respect of the payments and benefits provided herein</font>).</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">17.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">NOTICE.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">For the purposes of this Agreement, notices and all other communications provided for in this Agreement shall be in writing and shall be
      deemed to have been duly given when delivered or mailed by certified or registered mail, return receipt requested, postage prepaid, addressed to the respective addresses set forth below or if sent by facsimile or email, on the date it is actually
      received.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="z5a83fe94685b4e958e9a00a2c9bc65b4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 40.49%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">To the Bank:</div>
          </td>
          <td style="width: 59.51%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Carver Federal Savings Bank</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">75 West 125<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">th</sup> Street</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">New York, New York 10027-4512</div>
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Attention: Chairman of the Compensation Committee of the Board of Directors</div>
            <div>&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 40.49%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">To Executive:</div>
          </td>
          <td style="width: 59.51%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Most recent address on file with the Bank</div>
            <div>&#160;</div>
            <div>&#160;</div>
          </td>
        </tr>

    </table>
    <div><br>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 36pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">17.</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">TAX MATTERS.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(a)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">If the Executive&#8217;s employment is terminated following a Change in Control, the non-competition and non-solicitation restrictions set forth in Section 6(a)&#160; of this Agreement
        shall apply for the period of time mutually agreed to by the parties, and in no event shall the time period be less than six months or exceed two years.&#160; The Bank and the Executive hereby recognize that: (i) the non-solicitation restriction and
        non-competition restriction under&#160;Sections 6(a) have value, and (ii) the value shall be recognized in any calculations the Bank and the Executive perform with respect to determining the affect, if any, of the parachute payment provisions of Section
        280G of the Code (&#8220;Section 280G&#8221;), by allocating a portion of any payments, benefits or distributions in the nature of compensation (within the meaning of Section 280G(b)(2)), including the payments under Section 5(b) of this Agreement, to the fair
        value of the non-solicitation and non-competition restriction under&#160;Section 6(a) of this Agreement&#160;(the &#8220;Appraised Value&#8221;).&#160;&#160;The Bank, at the Bank&#8217;s expense, shall obtain an independent appraisal to determine the Appraised Value no later than
        forty-five (45) days after entering into an agreement, that if completed, would constitute a Change in Control as defined in Section 5(a).&#160; The Appraised Value will be considered reasonable compensation for post change in control services within
        the meaning of Q&amp;A-40 of the regulations under Section 280G; and accordingly, any aggregate parachute payments, as defined in Section 280G, will be reduced by the Appraised Value.</font></div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(b)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">After taking into account the Appraised Value, in the event the receipt of all payments, benefits or distributions in the nature of compensation (within the meaning of Section
        280G(b)(2)), whether paid or payable pursuant to Section 5(b) of this Agreement or otherwise (the &#8220;Change in Control Benefits&#8221;) would subject the Executive to an excise tax imposed by Code Sections 280G and 4999, then the payments and/or benefits
        payable under this Agreement (the &#8220;Payments&#8221;) shall be reduced by the minimum amount necessary so that no portion of the Payments under this Agreement are non-deductible to the Bank pursuant to Code Section 280G and subject to the excise tax
        imposed under Code Section 4999 (the &#8220;Reduced Amount&#8221;).&#160; Notwithstanding the foregoing, the Payments will not be reduced if it is determined that without</font></div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="text-indent: 36pt;"><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt">&#160;</font><br>
    </div>
    <div style="text-align: justify; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">such reduction, the Change in Control Benefits received by the Executive on a net after-tax basis (including without limitation, any excise taxes payable
      under Code Section 4999) is greater than the Change in Control Benefits that the Executive would receive, on a net after-tax benefit, if the Executive is paid the Reduced Amount under the Agreement.</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">(c)</font><font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font><font style="font-size: 12pt; font-family: 'Times New Roman', Times, serif;">Unless otherwise agreed in writing by the parties, all calculations with respect to Sections 280G and 4999 of the Code required under this Section 18 shall be determined by a
        nationally recognized firm with appropriate expertise mutually agreeable to the Bank and the Executive (the &#8220;Firm&#8221;) whose determination will be conclusive and binding on all parties. The Bank shall pay all fees charged by the Firm for this purpose.
        The Bank and the Executive shall provide the Firm with all information or documents it reasonably requests, and the Firm will be entitled to rely on such information and on reasonable estimates and assumptions and interpretations of the provisions
        of Sections 280G and 4999 of the Code. If it is determined that the Payments should be reduced&#160; as a result of the Section 280G calculations performed by the Firm, the Bank shall promptly give (or cause the Firm to give) the Executive notice to
        that effect (and a copy of the detailed calculations thereof) and, to the extent consistent with Section 409A of the Code, the Executive may determine which benefits are to be reduced.&#160; All determinations made under this Section 18 shall be made as
        soon as reasonably practicable and in no event later than ten (10) days prior to the Date of Termination.</font></div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: left; font-family: 'Times New Roman',Times,serif; font-size: 12pt; text-indent: 36pt;"><font style="font-size: 12pt; font-family: 'Times New Roman',Times,serif; font-weight: bold;">IN WITNESS WHEREOF</font>, the parties have
      executed this Agreement as of the date first written above.</div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" id="zc8999a2816f640a5859f319bd5f55ee7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">CARVER FEDERAL SAVINGS BANK</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">By:<u> /s/ Kenneth J. Knuckles</u></div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Name: Kenneth J. Knuckles</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Title:&#160;&#160; Director<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt; font-weight: bold;">EXECUTIVE</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">&#160;<u>/s/ Craig C MacKay</u><br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: left; font-family: 'Times New Roman', Times, serif; font-size: 12pt;">Craig C. MacKay</div>
          </td>
        </tr>

    </table>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
  </div>
  <div class="BRPFPageNumberArea" style="text-align: center;"><font style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>carv-20231001.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.9.1.5178 Broadridge-->
<xs:schema targetNamespace="http://carverbank.com/20231001" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:carv="http://carverbank.com/20231001" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:dei="http://xbrl.sec.gov/dei/2023" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:us-types="http://fasb.org/us-types/2023" xmlns:srt-types="http://fasb.org/srt-types/2023">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="carv-20231001_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="carv-20231001_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://carverbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000100 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://fasb.org/us-gaap/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2023" schemaLocation="https://xbrl.sec.gov/dei/2023/dei-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2023" schemaLocation="https://xbrl.sec.gov/country/2023/country-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/currency/2023" schemaLocation="https://xbrl.sec.gov/currency/2023/currency-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/exch/2023" schemaLocation="https://xbrl.sec.gov/exch/2023/exch-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/naics/2023" schemaLocation="https://xbrl.sec.gov/naics/2023/naics-2023.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/sic/2023" schemaLocation="https://xbrl.sec.gov/sic/2023/sic-2023.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/stpr/2023" schemaLocation="https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://fasb.org/us-types/2023" schemaLocation="https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/srt/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd" />
  <xs:import namespace="http://fasb.org/srt-types/2023" schemaLocation="https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd" />
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>4
<FILENAME>carv-20231001_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.9.1.5178 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract_lbl" xml:lang="en-US" id="dei_CoverAbstract_lbl">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:title="label: CoverAbstract to dei_CoverAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType_lbl" xlink:title="label: DocumentType to dei_DocumentType_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications_lbl" xml:lang="en-US" id="dei_WrittenCommunications_lbl">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:title="label: WrittenCommunications to dei_WrittenCommunications_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial_lbl" xml:lang="en-US" id="dei_SolicitingMaterial_lbl">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementTenderOffer_lbl">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer_lbl">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:title="label: AmendmentFlag to dei_AmendmentFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry_lbl" xml:lang="en-US" id="dei_EntityAddressCountry_lbl">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle_lbl" xml:lang="en-US" id="dei_Security12bTitle_lbl">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:title="label: Security12bTitle to dei_Security12bTitle_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:title="label: TradingSymbol to dei_TradingSymbol_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName_lbl" xml:lang="en-US" id="dei_SecurityExchangeName_lbl">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName_lbl" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>carv-20231001_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.9.1.5178 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:roleRef roleURI="http://carverbank.com/role/DocumentAndEntityInformation" xlink:type="simple" xlink:href="carv-20231001.xsd#DocumentAndEntityInformation" />
  <link:presentationLink xlink:type="extended" xlink:role="http://carverbank.com/role/DocumentAndEntityInformation">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentType" xlink:title="presentation: CoverAbstract to DocumentType" order="0.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="AmendmentFlag" xlink:title="presentation: CoverAbstract to AmendmentFlag" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentPeriodEndDate" xlink:title="presentation: CoverAbstract to DocumentPeriodEndDate" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalYearFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalYearFocus" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalPeriodFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalPeriodFocus" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine2" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine2" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine3" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine3" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCityOrTown" xlink:title="presentation: CoverAbstract to EntityAddressCityOrTown" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressStateOrProvince" xlink:title="presentation: CoverAbstract to EntityAddressStateOrProvince" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2023/dei-2023.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>6
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.23.3</span><table class="report" border="0" cellspacing="2" id="idm139984011862592">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 01, 2023</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct.  01,  2023<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13007<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CARVER BANCORP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001016178<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">13-3904174<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">75 West 125th Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">New York<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">10027-4512<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">212<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">360-8820<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CARV<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>form8k_100223_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2023"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="carv-20231001.xsd" xlink:type="simple"/>
    <context id="c20231001to20231001">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001016178</identifier>
        </entity>
        <period>
            <startDate>2023-10-01</startDate>
            <endDate>2023-10-01</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="c20231001to20231001"
      id="Fact_c0646c55d2b1443789e649e8eadc4164">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="c20231001to20231001"
      id="Fact_464abebf6424430088df8988ea97c5b8">0001016178</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="c20231001to20231001"
      id="Fact_8b5dae82e0a349bdaeb8c6c66a7e5cc3">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="c20231001to20231001"
      id="Fact_a18c8ddce8284780af0eff0bfd84167b">2023-10-01</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20231001to20231001"
      id="Fact_493edc148b4e43bda7ff7ad99182ab9f">CARVER BANCORP, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20231001to20231001"
      id="Fact_a3e65f130b2d41caae5ace1ed02d2160">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="c20231001to20231001"
      id="Fact_4b3d89b7f22443ffa3be08321e0ddc56">001-13007</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20231001to20231001"
      id="Fact_7e6f22fbb2454176b7dd842a69849abf">13-3904174</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="c20231001to20231001"
      id="Fact_dcf5d86b9e1f440fbfa215e45533f30f">75 West 125th Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="c20231001to20231001"
      id="Fact_c086028b6598479da62e38ca047702a4">New York</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20231001to20231001"
      id="Fact_a3a0946ecab34844adf24a8843fbb069">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="c20231001to20231001"
      id="Fact_c2f3b8b1e05c48b89941d9d0517a1a5f">10027-4512</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20231001to20231001"
      id="Fact_965ff2461a2146ab8e25cb4920d8719c">212</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20231001to20231001"
      id="Fact_efa483605a344653b065284141d67286">360-8820</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20231001to20231001"
      id="Fact_662399efb9da440094a833b3301f26aa">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20231001to20231001"
      id="Fact_97e5aa31c7d24cdb9f185e885b4a6de7">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20231001to20231001"
      id="Fact_1ffdad412768424eb952567b0b4b4743">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20231001to20231001"
      id="Fact_3834ae2dc99d486c94940ce6784a5b60">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="c20231001to20231001"
      id="Fact_d75c9d5686454c03abb0be88b7ebc0f7">Common stock, par value $0.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20231001to20231001"
      id="Fact_b4a48c43cb574a148a6e3e72ceb3b016">CARV</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20231001to20231001"
      id="Fact_3d5399ed52e64b0eb5793be86d6d5077">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20231001to20231001"
      id="Fact_95b8bbdd3e3443af9395aac30a2ef979">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>8
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M>1<W]T6NS>,)KM\,<'AT_@%02P,$%     @ JEE#5V60>9(9 0  SP,  !,
M  !;0V]N=&5N=%]4>7!E<UTN>&ULK9--3L,P$(6O$F5;)2XL6*"F&V +77 !
M8T\:J_Z39UK2VS-.VDJ@$A6%3:QXWKS/GI>LWH\1L.B=]=B4'5%\% )5!TYB
M'2)XKK0A.4G\FK8B2K636Q#WR^6#4,$3>*HH>Y3KU3.T<F^I>.EY&TWP39G
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M+GAM;%!+ 0(4 Q0    ( *I90U?]UR$C[@   "L"   1              "
M :\   !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    ( *I90U>97)PC$ 8
M )PG   3              "  <P!  !X;"]T:&5M92]T:&5M93$N>&UL4$L!
M A0#%     @ JEE#5VC@![M:!   G!   !@              ("!#0@  'AL
M+W=O<FMS:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    ( *I90U>?H!OPL0(
M .(,   -              "  9T,  !X;"]S='EL97,N>&UL4$L! A0#%
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K  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D /@(  /T3      $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.23.3</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="form8k_100223.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000100 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://carverbank.com/role/DocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File>carv-20231001.xsd</File>
    <File>carv-20231001_lab.xml</File>
    <File>carv-20231001_pre.xml</File>
    <File doctype="8-K" isOnlyDei="true" isUsgaap="true" original="form8k_100223.htm">form8k_100223.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2023</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>13
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "version": "2.2",
 "instance": {
  "form8k_100223.htm": {
   "nsprefix": "carv",
   "nsuri": "http://carverbank.com/20231001",
   "dts": {
    "schema": {
     "local": [
      "carv-20231001.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2004/ref-2004-08-10.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://www.xbrl.org/dtr/type/2022-03-31/types.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-roles-2023.xsd",
      "https://xbrl.fasb.org/srt/2023/elts/srt-types-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-gaap-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-roles-2023.xsd",
      "https://xbrl.fasb.org/us-gaap/2023/elts/us-types-2023.xsd",
      "https://xbrl.sec.gov/country/2023/country-2023.xsd",
      "https://xbrl.sec.gov/currency/2023/currency-2023.xsd",
      "https://xbrl.sec.gov/dei/2023/dei-2023.xsd",
      "https://xbrl.sec.gov/exch/2023/exch-2023.xsd",
      "https://xbrl.sec.gov/naics/2023/naics-2023.xsd",
      "https://xbrl.sec.gov/sic/2023/sic-2023.xsd",
      "https://xbrl.sec.gov/stpr/2023/stpr-2023.xsd"
     ]
    },
    "labelLink": {
     "local": [
      "carv-20231001_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "carv-20231001_pre.xml"
     ]
    },
    "inline": {
     "local": [
      "form8k_100223.htm"
     ]
    }
   },
   "keyStandard": 22,
   "keyCustom": 0,
   "axisStandard": 0,
   "axisCustom": 0,
   "memberStandard": 0,
   "memberCustom": 0,
   "hidden": {
    "total": 2,
    "http://xbrl.sec.gov/dei/2023": 2
   },
   "contextCount": 1,
   "entityCount": 1,
   "segmentCount": 0,
   "elementCount": 29,
   "unitCount": 0,
   "baseTaxonomies": {
    "http://xbrl.sec.gov/dei/2023": 22
   },
   "report": {
    "R1": {
     "role": "http://carverbank.com/role/DocumentAndEntityInformation",
     "longName": "000100 - Document - Document and Entity Information",
     "shortName": "Document and Entity Information",
     "isDefault": "true",
     "groupType": "document",
     "subGroupType": "",
     "menuCat": "Cover",
     "order": "1",
     "firstAnchor": {
      "contextRef": "c20231001to20231001",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "form8k_100223.htm",
      "first": true,
      "unique": true
     },
     "uniqueAnchor": {
      "contextRef": "c20231001to20231001",
      "name": "dei:DocumentType",
      "unitRef": null,
      "xsiNil": "false",
      "lang": "en-US",
      "decimals": null,
      "ancestors": [
       "div",
       "div",
       "body",
       "html"
      ],
      "reportCount": 1,
      "baseRef": "form8k_100223.htm",
      "first": true,
      "unique": true
     }
    }
   },
   "tag": {
    "dei_PreCommencementTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementTenderOffer",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Tender Offer",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r4"
     ]
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "PreCommencementIssuerTenderOffer",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Pre-commencement Issuer Tender Offer",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r3"
     ]
    },
    "dei_SolicitingMaterial": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SolicitingMaterial",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Soliciting Material",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act."
       }
      }
     },
     "auth_ref": [
      "r5"
     ]
    },
    "dei_EntityAddressAddressLine3": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine3",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line Three",
        "documentation": "Address Line 3 such as an Office Park"
       }
      }
     },
     "auth_ref": []
    },
    "dei_CoverAbstract": {
     "xbrltype": "stringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CoverAbstract",
     "lang": {
      "en-us": {
       "role": {
        "label": "Cover [Abstract]",
        "documentation": "Cover page."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine2": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine2",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line Two",
        "documentation": "Address Line 2 such as Street or Suite number"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCityOrTown": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCityOrTown",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, City or Town",
        "documentation": "Name of the City or Town"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityCentralIndexKey": {
     "xbrltype": "centralIndexKeyItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityCentralIndexKey",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Central Index Key",
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_DocumentFiscalYearFocus": {
     "xbrltype": "gYearItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentFiscalYearFocus",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Fiscal Year Focus",
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006."
       }
      }
     },
     "auth_ref": []
    },
    "dei_WrittenCommunications": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "WrittenCommunications",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Written Communications",
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act."
       }
      }
     },
     "auth_ref": [
      "r6"
     ]
    },
    "dei_EntityIncorporationStateCountryCode": {
     "xbrltype": "edgarStateCountryItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityIncorporationStateCountryCode",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Incorporation, State or Country Code",
        "documentation": "Two-character EDGAR code representing the state or country of incorporation."
       }
      }
     },
     "auth_ref": []
    },
    "dei_CityAreaCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "CityAreaCode",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "City Area Code",
        "documentation": "Area code of city"
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentType": {
     "xbrltype": "submissionTypeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentType",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Type",
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityFileNumber": {
     "xbrltype": "fileNumberItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityFileNumber",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity File Number",
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen."
       }
      }
     },
     "auth_ref": []
    },
    "dei_AmendmentFlag": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "AmendmentFlag",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Amendment Flag",
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityEmergingGrowthCompany": {
     "xbrltype": "booleanItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityEmergingGrowthCompany",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Emerging Growth Company",
        "documentation": "Indicate if registrant meets the emerging growth company criteria."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_NoTradingSymbolFlag": {
     "xbrltype": "trueItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "NoTradingSymbolFlag",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "No Trading Symbol Flag",
        "documentation": "Boolean flag that is true only for a security having no trading symbol."
       }
      }
     },
     "auth_ref": []
    },
    "dei_TradingSymbol": {
     "xbrltype": "tradingSymbolItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "TradingSymbol",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Trading Symbol",
        "documentation": "Trading symbol of an instrument as listed on an exchange."
       }
      }
     },
     "auth_ref": []
    },
    "dei_DocumentFiscalPeriodFocus": {
     "xbrltype": "fiscalPeriodItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentFiscalPeriodFocus",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Fiscal Period Focus",
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY."
       }
      }
     },
     "auth_ref": []
    },
    "dei_Security12bTitle": {
     "xbrltype": "securityTitleItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "Security12bTitle",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Title of 12(b) Security",
        "documentation": "Title of a 12(b) registered security."
       }
      }
     },
     "auth_ref": [
      "r0"
     ]
    },
    "dei_DocumentPeriodEndDate": {
     "xbrltype": "dateItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "DocumentPeriodEndDate",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Document Period End Date",
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD."
       }
      }
     },
     "auth_ref": []
    },
    "dei_SecurityExchangeName": {
     "xbrltype": "edgarExchangeCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "SecurityExchangeName",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Security Exchange Name",
        "documentation": "Name of the Exchange on which a security is registered."
       }
      }
     },
     "auth_ref": [
      "r2"
     ]
    },
    "dei_EntityRegistrantName": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityRegistrantName",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Registrant Name",
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_LocalPhoneNumber": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "LocalPhoneNumber",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Local Phone Number",
        "documentation": "Local phone number for entity."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressAddressLine1": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressAddressLine1",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Address Line One",
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressCountry": {
     "xbrltype": "countryCodeItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressCountry",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Country",
        "documentation": "ISO 3166-1 alpha-2 country code."
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityAddressPostalZipCode": {
     "xbrltype": "normalizedStringItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressPostalZipCode",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, Postal Zip Code",
        "documentation": "Code for the postal or zip code"
       }
      }
     },
     "auth_ref": []
    },
    "dei_EntityTaxIdentificationNumber": {
     "xbrltype": "employerIdItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityTaxIdentificationNumber",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Tax Identification Number",
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS."
       }
      }
     },
     "auth_ref": [
      "r1"
     ]
    },
    "dei_EntityAddressStateOrProvince": {
     "xbrltype": "stateOrProvinceItemType",
     "nsuri": "http://xbrl.sec.gov/dei/2023",
     "localname": "EntityAddressStateOrProvince",
     "presentation": [
      "http://carverbank.com/role/DocumentAndEntityInformation"
     ],
     "lang": {
      "en-us": {
       "role": {
        "label": "Entity Address, State or Province",
        "documentation": "Name of the state or province."
       }
      }
     },
     "auth_ref": []
    }
   }
  }
 },
 "std_ref": {
  "r0": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Number": "240",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Exchange Act",
   "Section": "14a",
   "Number": "240",
   "Subsection": "12"
  },
  "r6": {
   "role": "http://www.xbrl.org/2003/role/presentationRef",
   "Publisher": "SEC",
   "Name": "Securities Act",
   "Number": "230",
   "Section": "425"
  }
 }
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>14
<FILENAME>0000943374-23-000404-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000943374-23-000404-xbrl.zip
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M,5]P<F4N>&ULU5M=;^(X%'U?:?]#EGV&%-CYH&IGQ#+M""W35J6K_7A9F<2
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ME]_Z-EQ[+U?JXD-)]'!:_WFG[J?U^8LX=="E/BYSJ4[#VL1X<$GCSJ5.2B>
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M'0,7ELG]5%[&T P()I=$P(E[+KI7_>0E[X)U[]1$7HC$RE.RD>FM7H8*R\)
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MW1N?U=?7]0C61-6W+:ZA&6"ICOVF0LC4-/)&OKO><$ZM7\Y9,TE_FAY)N"_
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MN3E;2$I15-I334>Z9V![^I9L->7@EQ)LP@MBOHHJA#FLL44WPA;M;*_!17K
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M2H%">.!C'$7P<ODU. +#I9SWC:VK&4R\RX;V#(T6MGH,]TR.EQ?<8)5*K;+
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M#XG%MTS*DG=+MV7A/)+);-PM8;;!'<O7.!#6,X&!'>8P6^L^)T:+$K;,=QJ
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MMM9F7"PO^H^EZ[PL>*3HP+LT<HYB [U*%>3D'-K*_LDXI@E 0JO;"RA60"2
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M=BTR,#(S,3 P,5]L86(N>&UL4$L! A0#%     @ JEE#5ZXA0U?:!0  ]3X
M !4              ( !) P  &-A<G8M,C R,S$P,#%?<')E+GAM;%!+ 0(4
M Q0    ( *I90U=!JUO3&$,  +G1 0 3              "  3$2  !E>#$P
M+3%?.&LQ,# R,C,N:'1M4$L! A0#%     @ JEE#5X\#FHOQ%P  ?I,  !$
M             ( !>E4  &9O<FTX:U\Q,# R,C,N:'1M4$L%!@     %  4
*10$  )IM      $!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
