# EDGAR Filing Document

**Accession Number:** 0001016178
**File Stem:** 0002099845-25-000001
**Filing Date:** 2025-12
**Character Count:** 11574
**Document Hash:** 54b13a408834a4a5bc82b4ee550e234e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002099845-25-000001.hdr.sgml**: 20251208

**ACCESSION NUMBER**: 0002099845-25-000001

**CONFORMED SUBMISSION TYPE**: SCHEDULE 13D

**PUBLIC DOCUMENT COUNT**: 3

**FILED AS OF DATE**: 20251208

**DATE AS OF CHANGE**: 20251208

**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
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 005-48913
- **FILM NUMBER:** 251555329

**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

**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

## Ex-1.

```

ANNEX A
Schedule of Transactions in Common Shares of the Issuer
During the Past 60 Days

Date of Transaction 	November 20, 2025
Quantity Purchased 	22,000
Price per Share  	$1.63

(1) All purchases were effected through open-market transactions.

```

## Exhibit 99.1

```

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

```

### UNITED STATES 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, $0.01 par value per share**

*(Title of Class of Securities)*

**146875604**

*(CUSIP Number)*

**Dennis D. Etzkorn**<br>10 Trailside Road<br>Medfield MA 02052<br>(508) 740-3760

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

**12/08/2025**

*(Date of Event Which Requires Filing of this Statement)*

| **CUSIP No.** | **146875604** |

---

| | | | |
|:--|:--|:--|:--|
| 1 | Name of reporting person<br>**Detyga LLC** | Name of reporting person<br>**Detyga LLC** | |
| 2 | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | Check the appropriate box if a member of a Group (See Instructions)<br>[x] (a)<br>[ ] (b) | |
| 3 | SEC use only | SEC use only | |
| 4 | Source of funds (See Instructions)<br>**WC** | Source of funds (See Instructions)<br>**WC** | |
| 5 | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)<br>[ ] | |
| 6 | Citizenship or place of organization<br>**MASSACHUSETTS** | Citizenship or place of organization<br>**MASSACHUSETTS** | |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 7 | Sole Voting Power<br>**272000.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 8 | Shared Voting Power<br>**0.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 9 | Sole Dispositive Power<br>**272000.00** |
| Number of Shares<br>Beneficially Owned by<br>Each Reporting Person With: | 10 | Shared Dispositive Power<br>**0.00** |
| 11 | Aggregate amount beneficially owned by each reporting person<br>**272000.00** | Aggregate amount beneficially owned by each reporting person<br>**272000.00** | |
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)<br>[ ] | |
| 13 | Percent of class represented by amount in Row (11)<br>**5.3%** | Percent of class represented by amount in Row (11)<br>**5.3%** | |
| 14 | Type of Reporting Person (See Instructions)<br>**OO** | Type of Reporting Person (See Instructions)<br>**OO** | |

---

**Item 1. Security and Issuer**

**(a) Title of Class of Securities:**
Common Stock, $0.01 par value per share

**(b) Name of Issuer:**
CARVER BANCORP INC

**(c) Address of Issuer's Principal Executive Offices:**
75 W 125TH ST, NEW YORK, NY, 10027-4512

**Item 4. Purpose of Transaction**

The Reporting Persons purchased the securities of the Issuer based on the Reporting Persons' belief that such securities, when purchased, were undervalued and represented an attractive investment opportunity.

In the Reporting Persons' view, the recent decision by the board of directors' of the Issuer to delist the Shares constitutes a serious breach of its fiduciary duties to act in the best interests of shareholders. The Reporting Persons believe that the delisting has already led to a sharp decline in the market value of the Shares, with the Issuer's market capitalization falling by more than half in a short period following the announcement, and that the proposed delisting would further harm shareholders by making their investments less liquid.

The Reporting Persons believe that, prior to the delisting announcement, recent proposals and initiatives advanced by other shareholders had provided a constructive path forward for the Issuer and helped support the trading price of the Shares and the Issuer's market capitalization on the expectation of a more favorable long-term outlook. The Reporting Persons support efforts it views as designed to improve the Issuer's performance, strengthen the business, and create long-term value for shareholders.

The Reporting Persons believe that a decision of this magnitude should be submitted to shareholders for a vote. Accordingly, Detyga currently intends to request that the Issuer postpone any action on the delisting and call a special meeting of shareholders so that shareholders may vote on whether the Issuer should proceed with or reconsider the delisting and deregistration. Detyga may also encourage other shareholders to consider exercising their rights to request such a meeting and to express their views on the proposed delisting to the Issuer's board of directors.

Depending on a variety of factors, including, among others, the Issuer's response to the concerns expressed above, discussions with the Issuer and other shareholders, the Issuer's financial condition, the trading price and liquidity of the Shares, general market and economic conditions, and other investment opportunities, the Reporting Person may from time to time take such actions with respect to its investment in the Issuer as it deems appropriate. Such actions may include, without limitation: (i) acquiring additional Shares or disposing of some or all of the Shares; (ii) requesting that the Issuer call, or causing or seeking to cause the calling of, one or more special meetings of shareholders (or raising matters at annual meetings of shareholders); (iii) engaging in further communications with the Issuer's management, board of directors and/or other shareholders regarding the Issuer's management strategy; or (iv) making recommendations or proposals to the Issuer concerning changes to the composition of the board of directors or other actions to enhance shareholder value.

The Reporting Persons are not currently engaged in any solicitation of proxies from the Issuer's shareholders and are not acting, and do not presently intend to act, as part of a 'group' with any other shareholder with respect to the acquisition, holding, voting or disposition of securities of the Issuer. The views expressed in this Schedule 13D reflect the Reporting Persons' current opinions and are based on publicly available information. The Reporting Person reserves the right to change its views with respect to any of the foregoing at any time and to take any actions it deems appropriate, to the extent permitted by applicable law.

Except as set forth in this Item 4, the Reporting Person does not have any present plan or proposal which relates to or would result in any of the matters enumerated in this Schedule 13D.

**Item 5. Interest in Securities of the Issuer**

**(a)**
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 November 24, 2025, each of the Reporting Persons may be deemed to beneficially own 272,000 shares of Common Stock that are held directly by Detyga, representing approximately 5.3% of the Common Stock outstanding.

Each of the Reporting Persons disclaims beneficial ownership of the shares of Common Stock reported herein except to the extent of their pecuniary interest therein.

**(b)**
Each of the Reporting Persons may be deemed to exercise the shared voting and dispositive authority over 272,000 shares of Common Stock beneficially owned directly by Detyga.

Each of the Reporting Persons disclaims beneficial ownership of the shares of Common Stock reported herein except to the extent of their pecuniary interest therein.

**(c)**
Information with respect to the Reporting Person's transactions effected during the past 60 days are set forth on Annex A hereto.

**Item 6. Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer.**

On November 24, 2025, the Reporting Persons entered into a Joint Filing Agreement in which the Reporting Persons agreed to the joint filing on behalf of each of them of statements on Schedule 13D with respect to securities of the Issuer, to the extent required by applicable law. The Joint Filing Agreement is attached hereto as Exhibit 99.1 and is incorporated herein by reference.

Except as otherwise provided in this Schedule 13D, there are no contracts, arrangements, understandings or relationships between the Reporting Person and any persons with respect to any securities of the Issuer.

### 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.

**Reporting Person:** Detyga LLC

**Signature:** Dennis D. Etzkorn

**Name/Title:** Managing Member

**Date:** 12/08/2025