American Banker takes a look at the challenges facing the nation's black-run banks, including Carver Federal Savings Bank in New York. Many of the top challenges facing Carver are facing other community banks, including rising compliance costs, pressure to scale bank on commercial real estate, and an uphill battle to keep pace with technology. "There have been many, many things that the team and I are proud of, and there's no place I would have wanted to have been for the past five years," Pugh said. "Certainly some things I wish would have had a different outcome, but the journey continues for us."