SCHEDULE 13D/A 0002085652 XXXXXXXX LIVE 4 Common Stock, par value $0.01 per share 12/05/2025 false 0001016178 146875604 CARVER BANCORP INC

75 W 125TH ST NEW YORK NY 10027-4512

Barry Mann 8502259314 69 E. 167th Street Bronx NY 10452 0002085652 N Mann Barry James PF N NY 508577.00 508577.00 508577.00 N 9.6 IN Common Stock, par value $0.01 per share CARVER BANCORP INC 75 W 125TH ST NEW YORK NY 10027-4512 Barry James Mann 941 Jerome Avenue, Apt. 14G, Bronx, NY 10452 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 none none USA 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 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. 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. 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 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. none n/a 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 Mann Barry James Barry J Mann 12/05/2025