Insider filing report for Changes in Beneficial Ownership
- Schedule 13G & 13D forms are used to report a party's ownership of stock which exceeds 5% of a company's total stock issue.
- Schedule 13G is a shorter version of Schedule 13D with fewer reporting requirements.
"Insiders might sell their shares for any number of reasons, but they buy them for only one: they think the price will rise"
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- Peter Lynch
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SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549 |
SCHEDULE 13D
Under the Securities Exchange Act of 1934
(Amendment No. 1)*
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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 10 Trailside Road, Medfield, MA, 02052 (508) 740-3760 (Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications) |
12/11/2025 (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
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| CUSIP No. | 146875604 |
| 1 |
Name of reporting person
Detyga LLC | ||||||||
| 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)
WC | ||||||||
| 5 |
Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)
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| 6 | Citizenship or place of organization
MASSACHUSETTS
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| Number of Shares Beneficially Owned by Each Reporting Person With: |
| ||||||||
| 11 | Aggregate amount beneficially owned by each reporting person
378,449.00 | ||||||||
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)
![]() | ||||||||
| 13 | Percent of class represented by amount in Row (11)
7.4 % | ||||||||
| 14 | Type of Reporting Person (See Instructions)
OO |
SCHEDULE 13D
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| CUSIP No. | 146875604 |
| 1 |
Name of reporting person
Dennis D. Etzkorn | ||||||||
| 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)
WC | ||||||||
| 5 |
Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)
![]() | ||||||||
| 6 | Citizenship or place of organization
UNITED STATES
| ||||||||
| Number of Shares Beneficially Owned by Each Reporting Person With: |
| ||||||||
| 11 | Aggregate amount beneficially owned by each reporting person
378,449.00 | ||||||||
| 12 | Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)
![]() | ||||||||
| 13 | Percent of class represented by amount in Row (11)
7.4 % | ||||||||
| 14 | Type of Reporting Person (See Instructions)
OO |
SCHEDULE 13D
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| 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, 75 W 125TH ST, NEW YORK,
NEW YORK
, 10027-4512. | |
Item 1 Comment:
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. | ||
| Item 2. | Identity and Background | |
| (a) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| (b) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| (c) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| (d) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| (e) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| (f) | Item 2 of the Prior Statement is not being amended by this Amendment No. 1. | |
| Item 3. | Source and Amount of Funds or Other Consideration | |
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. | ||
| Item 4. | Purpose of Transaction | |
Item 4 of the Prior Statement is not being amended by this Amendment No. 1. | ||
| Item 5. | Interest in Securities of the Issuer | |
| (a) | 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. | |
| (b) | 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. | |
| (c) | 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. | |
| (d) | Item 5(d) is not being amended by this Amendment No. 1. | |
| (e) | Item 5(e) is not being amended by this Amendment No. 1. | |
| Item 6. | Contracts, Arrangements, Understandings or Relationships With Respect to Securities of the Issuer | |
Item 6 of the Prior Statement is not being amended by this Amendment No. 1. | ||
| Item 7. | Material to be Filed as Exhibits. | |
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 | ||
| 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.
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