SEC Form SC 13G filed by Carver Bancorp Inc.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

SCHEDULE 13G

(Amendment No. )*

Under the Securities Exchange Act of 1934

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

¨ Rule 13d-l(b)

xRule 13d-l(c)

¨Rule 13d-l(d)

*The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page.

The information required in 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).

Item 1.

(a) Name of Issuer

Carver Bancorp, Inc.

(b)  Address of Issuer's Principal Executive Offices

75 West 125^th Street

New York, NY 10027

Item 2.

(a)  Name of Person Filing (the “Reporting Person”)

National Community Investment Fund

 (b)  Address of Principal Business Office or, if none, Residence

135 South LaSalle Street

Suite 3025

Chicago, IL 60603

(c)  Citizenship

Illinois

(d)  Title of Class of Securities 

Common Stock, par value $0.01 per share

(e)  CUSIP Number 

146875 60 4

(a)        ¨         Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o); 

(b)        ¨         Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c); 

(c)        ¨         Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c); 

(d)        ¨         Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C 80a-8); 

(e)        ¨         An investment adviser in accordance with §240.13d-l(b)(l)(ii)(E); 

(f)        ¨         An employee benefit plan or endowment fund in accordance with §240.13d-l(b)(l)(ii)(F); 

(g)       ¨         A parent holding company or control person in accordance with § 240.13d-l(b)(l)(ii)(G); 

(h)       ¨         A savings association as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813); 

(i)        ¨         A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3); 

(j)        ¨          A non-U.S. institution in accordance with §240.13d-l(b)(l)(ii)(J). 

(k)       ¨          Group, in accordance with §240.13d-l(b)(l)(ii)(K).

If filing as a non-U.S. institution in accordance with §240.13d-l(b)(l)(ii)(J), please specify the type of institution: ______________.

Provide the following information regarding the aggregate number and percentage of the class of securities of the issuer identified in Item 1.

The information with respect to percentage ownership is based on a total of 4,892,517 outstanding shares of Common Stock, par value $0.01 per share, of Carver Bancorp, Inc. consisting of the sum of: (i) 4,513,729 shares of Common Stock already outstanding as of July 19, 2023, as represented by the Issuer and (ii) 378,788 shares of Common Stock issued to the Reporting Person in a private placement on July 19, 2023.

The information required by Item 4(c) is set forth in Rows 5-11 of the cover page hereto for the Reporting Person and is incorporated herein by reference.

If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than 5 percent of the class of securities, check the following [ ].

Not applicable.

Not applicable.

Not applicable.

Not applicable.

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under Section 14a-11.

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.