<SEC-DOCUMENT>0002085652-25-000005.txt : 20251205
<SEC-HEADER>0002085652-25-000005.hdr.sgml : 20251205
<ACCEPTANCE-DATETIME>20251205160020
ACCESSION NUMBER:		0002085652-25-000005
CONFORMED SUBMISSION TYPE:	SCHEDULE 13D/A
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20251205
DATE AS OF CHANGE:		20251205

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CARVER BANCORP INC
		CENTRAL INDEX KEY:			0001016178
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		EIN:				133904174
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0331

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48913
		FILM NUMBER:		251552832

	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

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Mann Barry James
		CENTRAL INDEX KEY:			0002085652
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A

	MAIL ADDRESS:	
		STREET 1:		941 JEROME AVENUE
		STREET 2:		APT. 14G
		CITY:			BRONX
		STATE:			NY
		ZIP:			10452
</SEC-HEADER>
<DOCUMENT>
<TYPE>SCHEDULE 13D/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13D" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13D/A</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0002085652</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>4</amendmentNo>
      <securitiesClassTitle>Common Stock, par value $0.01 per share</securitiesClassTitle>
      <dateOfEvent>12/05/2025</dateOfEvent>
      <previouslyFiledFlag>false</previouslyFiledFlag>
      <issuerInfo>
        <issuerCIK>0001016178</issuerCIK>
        <issuerCUSIP>146875604</issuerCUSIP>
        <issuerName>CARVER BANCORP INC</issuerName>
        <address>
          <com:street1>75 W 125TH ST</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </address>
      </issuerInfo>
      <authorizedPersons>
        <notificationInfo>
          <personName>Barry Mann</personName>
          <personPhoneNum>8502259314</personPhoneNum>
          <personAddress>
            <com:street1>69 E. 167th Street</com:street1>
            <com:city>Bronx</com:city>
            <com:stateOrCountry>NY</com:stateOrCountry>
            <com:zipCode>10452</com:zipCode>
          </personAddress>
        </notificationInfo>
      </authorizedPersons>
    </coverPageHeader>
    <reportingPersons>
      <reportingPersonInfo>
        <reportingPersonCIK>0002085652</reportingPersonCIK>
        <reportingPersonNoCIK>N</reportingPersonNoCIK>
        <reportingPersonName>Mann Barry James</reportingPersonName>
        <fundType>PF</fundType>
        <legalProceedings>N</legalProceedings>
        <citizenshipOrOrganization>NY</citizenshipOrOrganization>
        <soleVotingPower>508577.00</soleVotingPower>
        <soleDispositivePower>508577.00</soleDispositivePower>
        <aggregateAmountOwned>508577.00</aggregateAmountOwned>
        <isAggregateExcludeShares>N</isAggregateExcludeShares>
        <percentOfClass>9.6</percentOfClass>
        <typeOfReportingPerson>IN</typeOfReportingPerson>
      </reportingPersonInfo>
    </reportingPersons>
    <items1To7>
      <item1>
        <securityTitle>Common Stock, par value $0.01 per share</securityTitle>
        <issuerName>CARVER BANCORP INC</issuerName>
        <issuerPrincipalAddress>
          <com:street1>75 W 125TH ST</com:street1>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </issuerPrincipalAddress>
      </item1>
      <item2>
        <filingPersonName>Barry James Mann</filingPersonName>
        <principalBusinessAddress>941 Jerome Avenue, Apt. 14G, Bronx, NY 10452</principalBusinessAddress>
        <principalJob>Mann is presently  the CFO of Spring Bank and the CFO/Treasurer of CheckSpring Community Corporation (parent of Spring Bank) which are both located at 69 E. 167th Street, Bronx, NY 10452</principalJob>
        <hasBeenConvicted>none</hasBeenConvicted>
        <convictionDescription>none</convictionDescription>
        <citizenship>USA</citizenship>
      </item2>
      <item3>
        <fundsSource>Mann acquired 508,577 shares with personal funds in multiple open market transactions for a total investment of $1,123,274.82.  Mann paid an average price of $2.21 per share</fundsSource>
      </item3>
      <item4>
        <transactionPurpose>The reporting person acquired beneficial ownership in the shares in the belief that the Shares were undervalued.  As Carver Bancorp's largest investor in terms of both shares owned and "controlled", the reporting person intends to engage in conversations, meetings and other communications with the Issuer's Board, Management and Shareholders as well as industry analysts and other interested parties, in each case to support the strategic plan proposed by management to improve the efficiency and financial condition of the Issuer and to ultimately increase shareholder value.  The reporting person urges shareholders who support management to buy additional shares of Carver Bancorp and become beneficial owners as well.  </transactionPurpose>
      </item4>
      <item5>
        <percentageOfClassSecurities>Mann beneficially owns 508,577 shares.  Percentage is 9.6% of the 5,287,100 shares outstanding as of September 30th per Carver Bancorp's final 10-Q filing.</percentageOfClassSecurities>
        <numberOfShares>1. Sole Power to vote or direct vote:  508,577
2. Shared Power to vote or direct vote:   0
3.  Sole power to dispose or direct the disposition:  508,577
4.  Shared power to dispose or direct the disposition:  0</numberOfShares>
        <transactionDesc>Mann purchased 224,340 shares in multiple open market transactions during the past 60 days as of December 5, 2025 for an average price of $2.27 per share.</transactionDesc>
        <listOfShareholders>none</listOfShareholders>
        <date5PercentOwnership>n/a</date5PercentOwnership>
      </item5>
      <item6>
        <contractDescription>The are no contracts, arrangements, understandings or relationships between the reporting person and any other individual or entity at this time.  Mann has acquired these shares independent of the management, Board of Directors, and current ownership of his present employers</contractDescription>
      </item6>
    </items1To7>
    <signatureInfo>
      <signaturePerson>
        <signatureReportingPerson>Mann Barry James</signatureReportingPerson>
        <signatureDetails>
          <signature>Barry J Mann</signature>
          <title>Barry J Mann</title>
          <date>12/05/2025</date>
        </signatureDetails>
      </signaturePerson>
    </signatureInfo>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
