<SEC-DOCUMENT>0002099845-25-000002.txt : 20251211
<SEC-HEADER>0002099845-25-000002.hdr.sgml : 20251211
<ACCEPTANCE-DATETIME>20251211163216
ACCESSION NUMBER:		0002099845-25-000002
CONFORMED SUBMISSION TYPE:	SCHEDULE 13D/A
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20251211
DATE AS OF CHANGE:		20251211

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:		251565439

	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:			Detyga LLC
		CENTRAL INDEX KEY:			0002099845
		ORGANIZATION NAME:           	
		EIN:				320284293
		STATE OF INCORPORATION:			MA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		SCHEDULE 13D/A

	BUSINESS ADDRESS:	
		STREET 1:		10 TRAILSIDE ROAD
		CITY:			MEDFIELD
		STATE:			MA
		ZIP:			02052
		BUSINESS PHONE:		5087403760

	MAIL ADDRESS:	
		STREET 1:		190 WILLIS AVE
		STREET 2:		C/O MELTZER, LIPPE, GOLD. & BREIT., LLP
		CITY:			MINEOLA
		STATE:			NY
		ZIP:			11501
</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>
    <previousAccessionNumber>0002099845-25-000001</previousAccessionNumber>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0002099845</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>



    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <amendmentNo>1</amendmentNo>
      <securitiesClassTitle>Common Stock, $0.01 par value per share</securitiesClassTitle>
      <dateOfEvent>12/11/2025</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:street2>75 W 125TH ST</com:street2>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </address>
      </issuerInfo>
      <authorizedPersons>
        <notificationInfo>
          <personName>Dennis D. Etzkorn</personName>
          <personPhoneNum>(508) 740-3760</personPhoneNum>
          <personAddress>
            <com:street1>10 Trailside Road</com:street1>
            <com:city>Medfield</com:city>
            <com:stateOrCountry>MA</com:stateOrCountry>
            <com:zipCode>02052</com:zipCode>
          </personAddress>
        </notificationInfo>
      </authorizedPersons>
    </coverPageHeader>
    <reportingPersons>
      <reportingPersonInfo>
        <reportingPersonCIK>0002099845</reportingPersonCIK>
        <reportingPersonNoCIK>N</reportingPersonNoCIK>
        <reportingPersonName>Detyga LLC</reportingPersonName>
        <fundType>WC</fundType>
        <legalProceedings>N</legalProceedings>
        <citizenshipOrOrganization>MA</citizenshipOrOrganization>
        <soleVotingPower>378449.00</soleVotingPower>
        <sharedVotingPower>0.00</sharedVotingPower>
        <soleDispositivePower>378449.00</soleDispositivePower>
        <sharedDispositivePower>0.00</sharedDispositivePower>
        <aggregateAmountOwned>378449.00</aggregateAmountOwned>
        <isAggregateExcludeShares>N</isAggregateExcludeShares>
        <percentOfClass>7.4</percentOfClass>
        <typeOfReportingPerson>OO</typeOfReportingPerson>
      </reportingPersonInfo>
      <reportingPersonInfo>
        <reportingPersonNoCIK>Y</reportingPersonNoCIK>
        <reportingPersonName>Dennis D. Etzkorn</reportingPersonName>
        <fundType>WC</fundType>
        <legalProceedings>N</legalProceedings>
        <citizenshipOrOrganization>X1</citizenshipOrOrganization>
        <soleVotingPower>0.00</soleVotingPower>
        <sharedVotingPower>378449.00</sharedVotingPower>
        <soleDispositivePower>0.00</soleDispositivePower>
        <sharedDispositivePower>378449.00</sharedDispositivePower>
        <aggregateAmountOwned>378449.00</aggregateAmountOwned>
        <isAggregateExcludeShares>N</isAggregateExcludeShares>
        <percentOfClass>7.4</percentOfClass>
        <typeOfReportingPerson>OO</typeOfReportingPerson>
      </reportingPersonInfo>
    </reportingPersons>
    <items1To7>
      <item1>
        <securityTitle>Common Stock, $0.01 par value per share</securityTitle>
        <issuerName>CARVER BANCORP INC</issuerName>
        <issuerPrincipalAddress>
          <com:street1>75 W 125TH ST</com:street1>
          <com:street2>75 W 125TH ST</com:street2>
          <com:city>NEW YORK</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>10027-4512</com:zipCode>
        </issuerPrincipalAddress>
        <commentText>Explanatory Note: This Amendment No. 1 to Schedule 13D ("Amendment No. 1") is being filed jointly by Detyga LLC, a Massachusetts limited liability company ("Detyga") and Dennis D. Etzkorn ("Etzkorn" and together with Detyga, collectively, the "Reporting Persons") to amend and supplement the Statement on Schedule 13D filed by the Reporting Persons with the Securities and Exchange Commission on December 8, 2025 (the "Prior Statement" and as amended by this Amendment No. 1, this "Schedule 13D") with respect to shares of common stock, par value $0.01 per share (the "Common Stock"), of Carver Bancorp, Inc., a Delaware corporation (the "Issuer"). Except as amended and supplemented by this Amendment No. 1, the Prior Statement remains in full force and effect.</commentText>
      </item1>
      <item2>
        <filingPersonName>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</filingPersonName>
        <principalBusinessAddress>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</principalBusinessAddress>
        <principalJob>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</principalJob>
        <hasBeenConvicted>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</hasBeenConvicted>
        <convictionDescription>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</convictionDescription>
        <citizenship>Item 2 of the Prior Statement is not being amended by this Amendment No. 1.</citizenship>
      </item2>
      <item3>
        <fundsSource>Item 3 of the Prior Statement is hereby amended and restated in its entirety as follows:

The total amount of funds required to acquire the Shares acquired by Detyga was approximately $668,840. The Shares were acquired using Detyga's working capital in open-market transactions.</fundsSource>
      </item3>
      <item4>
        <transactionPurpose>Item 4 of the Prior Statement is not being amended by this Amendment No. 1.</transactionPurpose>
      </item4>
      <item5>
        <percentageOfClassSecurities>Item 5(a) of the Prior Statement is hereby amended and restated in its entirety as follows:

The following disclosure assumes that there are a total of 5,095,254 shares of Common Stock outstanding as of August 12, 2025, which amount is derived from the amount reported in the Issuer's Quarterly Report on Form 10-Q for the period ended June 30, 2025. Pursuant to Rule 13d-3 of the rules and regulations promulgated by the Securities Exchange Commission pursuant to the Securities Exchange Act of 1934, as amended, as a result of the relationships described above in Item 2 and as of the close of business on December 10, 2025, each of the Reporting Persons may be deemed to beneficially own 378,449 shares of Common Stock that are held directly by Detyga, representing approximately 7.4% of the Common Stock outstanding.</percentageOfClassSecurities>
        <numberOfShares>Item 5(b) of the Prior Statement is hereby amended and restated in its entirety as follows:

Each of the Reporting Persons may be deemed to exercise the shared voting and dispositive authority over 378,449 shares of Common Stock beneficially owned directly by Detyga.</numberOfShares>
        <transactionDesc>Item 5(c) of the Prior Statement is hereby amended and supplemented to add the following:

Information with respect to the Reporting Person's transactions effected since the Prior Statement are set forth on Exhibit 99.2 hereto.</transactionDesc>
        <listOfShareholders>Item 5(d) is not being amended by this Amendment No. 1.</listOfShareholders>
        <date5PercentOwnership>Item 5(e) is not being amended by this Amendment No. 1.</date5PercentOwnership>
      </item5>
      <item6>
        <contractDescription>Item 6 of the Prior Statement is not being amended by this Amendment No. 1.</contractDescription>
      </item6>
      <item7>
        <filedExhibits>Item 7 of the Prior Statement is hereby amended and restated in its entirety as follows:

99.1 Joint Filing Agreement, dated as of November 24, 2025 (incorporated by reference to Exhibit 99.1 to the Prior Statement filed by the Reporting Persons on December 8, 2025)99.2 Schedule of transactions effected since the Prior Statement</filedExhibits>
      </item7>
    </items1To7>
    <signatureInfo>
      <signaturePerson>
        <signatureReportingPerson>Detyga LLC</signatureReportingPerson>
        <signatureDetails>
          <signature>Dennis D. Etzkorn</signature>
          <title>Managing Member</title>
          <date>12/11/2025</date>
        </signatureDetails>
      </signaturePerson>
      <signaturePerson>
        <signatureReportingPerson>Dennis D. Etzkorn</signatureReportingPerson>
        <signatureDetails>
          <signature>Dennis D. Etzkorn</signature>
          <title>Managing Member</title>
          <date>12/11/2025</date>
        </signatureDetails>
      </signaturePerson>
    </signatureInfo>
  </formData>

</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit991.txt
<DESCRIPTION>JOINT FILING AGREEMENT
<TEXT>
Exhibit 99.1
Joint Filing Agreement

In accordance with Rule 13d-1(k) under the Securities and Exchange Act of 1934,
the persons or entities named below agree to the joint filing on behalf of
each of them of a statement on Schedule 13D (including amendments thereto)
with respect to the Common Stock, par value $0.01 per share of
Carver Bancorp, Inc., a Delaware corporation.,
and further agree that this joint filing agreement
be included as an exhibit to this Schedule 13D.
In evidence thereof, the undersigned, being duly authorized,
have executed this Joint Filing Agreement as of November 24, 2025.

Detyga LLC

/s/ Dennis Etzkorn
Dennis Etzkorn
Authorized Signatory

/s/ Dennis Etzkorn
Dennis Etzkorn

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>3
<FILENAME>ex992.txt
<DESCRIPTION>SCHEDULE OF TRANSACTIONS
<TEXT>
Exhibit 99.2
Schedule of Transactions in Common Shares of the Issuer
Since Most Recent Filing of Schedule 13D

Date(s) of Transaction(s)
12/9-12/10/2025
Quantity Purchased
106,449
Price per Share
$1.63

(1) open-market transactions
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
