[SCHEDULE 13D] CARVER BANCORP INC SEC Filing

Rhea-AI Filing Summary

Barry James Mann filed a Schedule 13D reporting beneficial ownership of 264,240 shares of CARVER BANCORP INC common stock, equal to approximately 5.0% of the class as of 10/06/2025. Mann says he acquired the shares in open-market purchases using personal funds, paying an average of $2.16 per share for a total investment of $570,510.76. He reports buying 97,162 shares in the prior 60 days at an average of $2.17 per share. Mann states his purpose is investment in undervalued shares and to engage with the issuer's board, management, shareholders and analysts to support the issuer's strategic plan and increase shareholder value. He reports no agreements or relationships with the issuer or others regarding these shares.

Insights

Corporate Governance Analyst

Insider-scale stake signals active investor engagement, not an immediate control move.

Mann's reported beneficial ownership of 264,240 shares (5.0%) is large enough to make his views noticed by management yet below typical control thresholds. The filing explicitly states open-market purchases funded personally ($570,510.76) and no contractual arrangements, indicating independent accumulation rather than a coordinated proxy effort.

The declared intention to hold further purchases and to meet with the board and stakeholders creates a plausible path for constructive engagement; watch for subsequent amendments reporting additional purchases, formal proposals, or any voting agreements within the next 90 days that would materially change influence.

Equity Trading/Market Impact Specialist

Recent buying activity may modestly affect float and share liquidity for CARV.

Acquiring 97,162 shares in the prior 60 days at an average $2.17 per share represents meaningful accumulation for a single investor in a regional bank stock. At roughly 5.0% ownership, this position could tighten available free float and influence short-term supply/demand balance in thinly traded sessions.

Monitor trading volume and any Schedule 13D amendments showing increased holdings or disposition plans over the coming weeks; changes in average price paid and additional purchases will clarify whether this is a long-term strategic stake or opportunistic accumulation.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

CARVER BANCORP INC

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

146875604

(CUSIP Number)

Barry Mann
941 Jerome Avenue, Apt 14G,
Bronx, NY, 10452
8502259314

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

10/06/2025

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 146875604

1

Name of reporting person

Mann Barry James

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

PF

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

NEW YORK

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 264,240.00
8	Shared Voting Power 0.00
9	Sole Dispositive Power 264,240.00
10	Shared Dispositive Power 0.00

11

Aggregate amount beneficially owned by each reporting person

264,240.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

5.0 %

14

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Common Stock, par value $0.01 per share
(b)	Name of Issuer: CARVER BANCORP INC
(c)	Address of Issuer's Principal Executive Offices: 75 W 125TH ST, NEW YORK, NEW YORK , 10027-4512.
Item 2.	Identity and Background
(a)	Barry James Mann
(b)	941 Jerome Avenue, Apt. 14G, Bronx, NY 10452
(c)	Mann is currently the CFO of Spring Bank and CFO/Treasurer of CheckSpring Community Corp (parent of Spring Bank) which are both located at 69 E. 167th Street, Bronx, NY 10452.
(d)	none
(e)	none
(f)	USA
Item 3.	Source and Amount of Funds or Other Consideration
	Mann acquired 264,240 shares with personal funds in open market transactions for a total investment of $570,510.76. Mann paid an average price of $2.16 per share.
Item 4.	Purpose of Transaction
	The reporting person acquired beneficial ownership in the Shares in the belief that the Shares were undervalued and represented an attractive investment opportunity. The reporting person intends to purchase additional shares and engage in conversations, meetings and other communications with certain members of the Issuer's Board, Management team, shareholders, Industry Analysts, and other interested parties, in each case to support the strategic plan proposed by the Issuer's management team to improve the efficiency and financial condition of the Issuer and to increase shareholder value through organic growth.
Item 5.	Interest in Securities of the Issuer
(a)	Mann beneficially owns 264,240 shares. Percentage: Approximately 5.0%
(b)	1. Sole power to vote or direct vote: 264,240 2. Shared power to vote or direct vote: 0 3. Sole power to dispose or direct the disposition: 264,240 4. Shared power to dispose or direct the disposition: 0
(c)	Mann purchased 97,162 shares in open market transactions during the past 60 days as of October 6, 2025 for an average price per Share of $2.17
(d)	none
(e)	n/a
Item 6.	Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer
	There are no contracts, arrangements, understandings or relationships. Mann has acquired these shares independent of the management and ownership of his current employers.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Mann Barry James

Signature:	Barry James Mann
Name/Title:	Barry James Mann
Date:	10/06/2025