{"filings":[{"id":2302556,"accession_number":"0001829576-26-000083","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-08-17T20:59:11+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares lawsuit by Justice Parties dismissed with prejudice","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["On Aug 17, 2026, Carter Bankshares and Carter Bank & Trust announced voluntary dismissal with prejudice of lawsuit.","Suit was filed in Circuit Court of Greenbrier County, West Virginia by James C. Justice II, III, Jillean L. Justice, and related entities.","Dismissal covers claims against the Company, its bank subsidiary, and certain unaffiliated persons and entities.","Dismissal with prejudice bars refiling; removes litigation overhang for Carter Bankshares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":2190677,"accession_number":"0001829576-26-000080","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-08-11T20:36:23+00:00","items":["8.01","9.01"],"status":"ready","headline":"Carter Bankshares establishes DRIP plan offering up to 1M shares to shareholders","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Dividend Reinvestment and Stock Purchase Plan established; up to 1,000,000 common shares offered.","Plan administered by Computershare Trust Company, N.A.; shareholders may enroll at any time.","Reinvestments begin with first dividend declared and paid after August 24, 2026.","Dividend declared July 22, 2026 (payable Aug 24, 2026, record Aug 10, 2026) not eligible.","Registration statement on Form S-3D declared effective August 11, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1874676,"accession_number":"0001829576-26-000073","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-07-27T15:24:16+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q2 2026 investor presentation","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation for second quarter 2026 made available under Item 7.01.","Presentation contains financial data used by management with investors and analysts.","No specific financial results or guidance changes disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1812796,"accession_number":"0001829576-26-000071","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-07-23T13:02:43+00:00","items":["8.01","9.01"],"status":"ready","headline":"Carter Bankshares declares $0.10 quarterly dividend, payable Aug 24","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared by Board on July 22, 2026.","Dividend payable August 24, 2026 to shareholders of record as of August 10, 2026.","Based on closing price of $32.92 on July 22, annualized yield is 1.22%.","Dividend rate unchanged from prior quarter; no other material news in filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1812356,"accession_number":"0001829576-26-000070","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-07-23T12:22:37+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q2 net income $28.9M ($1.31 EPS); completes insurance sale, securities repositioning","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $28.9M ($1.31 diluted EPS) vs $85.8M Q1 2026 and $8.5M Q2 2025; adjusted net income $11.6M.","Completed sale of Bearing Insurance Group, recognizing $35.9M pre-tax gain, accretive $1.30 to EPS, increased TBV by $1.28.","Repositioned securities portfolio: sold $139.4M (2.28% yield), purchased $88.5M (5.27% yield), resulting in $12.5M pre-tax loss.","Net interest margin expanded to 3.38% from 3.07% Q1 2026 and 2.80% Q2 2025; net interest income up 11.2% linked quarter.","Nonperforming loans increased to $37.6M (1.01% of loans) from $24.0M Q1 2026, driven by $13.4M commercial relationship."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1249357,"accession_number":"0001829576-26-000061","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-06-24T20:06:20+00:00","items":["5.02","9.01"],"status":"ready","headline":"Carter Bankshares amends employment agreements for CEO Van Dyke, CFO Bell, and other officers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Litz H. Van Dyke, CFO Wendy S. Bell, President Bradford N. Langs, COO Matthew M. Speare, and CCO Tony E. Kallsen entered amended agreements.","Agreements update base salary floors, expand clawback provisions, and remove gross-up on auto allowance.","Definition of 'Cause' clarified to include breach of duty of loyalty and narrowed to require 'willful' action for certain failures.","Severance provisions updated to comply with new Virginia law effective July 1, 2026, adding one month of severance.","Confidentiality and noncompetition restrictive covenants updated to comply with law changes and best practices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":749078,"accession_number":"0001829576-26-000056","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-05-29T21:19:29+00:00","items":["7.01"],"status":"ready","headline":"Carter Bankshares completes $139.4M securities repositioning; expects $12.5M pre-tax loss in Q2 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold $139.4M of securities (weighted avg yield 2.28%) and bought $88.5M of AAA/AA-rated securities (5.27% yield).","Portfolio repositioning covers ~18.7% of securities portfolio; pre-tax loss of ~$12.5M expected in Q2 2026.","Estimated loss recovery period of ~2.98 years; annual interest income improvement of ~$4.2M.","Remaining proceeds from sale will be used to fund organic loan growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":736716,"accession_number":"0001829576-26-000053","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-05-29T14:52:00+00:00","items":["5.07"],"status":"ready","headline":"Carter Bankshares shareholders elect 11 directors, approve say-on-pay and auditor ratification","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees elected with strong support; broker non-votes ~4.57M for each.","Advisory say-on-pay passed with 11.75M for, 0.70M against, 0.17M abstain.","Ratification of Crowe LLP as auditor for FY 2026 approved (17.09M for, 90.5K against).","Total shares voted: 17,183,400 at the May 27, 2026 Annual Meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95951,"accession_number":"0001829576-26-000044","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-05-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q1 2026 investor presentation; no specific financials disclosed in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation posted to company website and furnished as Exhibit 99.1.","Contains financial data used by management with investors and analysts.","No earnings results or guidance explicitly stated in the 8-K body or excerpt.","Forward-looking statements caution that actual results may differ materially."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95950,"accession_number":"0001829576-26-000040","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-05-01T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares completes sale of Bearing Insurance Group; expects $35.8M pre-tax gain in Q2 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold membership interest in Bearing Insurance Group, LLC to unaffiliated third party, effective May 1, 2026.","Estimated pre-tax gain of approximately $35.8 million, to be recognized in Q2 2026.","Transaction completed on May 1, 2026, per filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95949,"accession_number":"0001829576-26-000037","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Carter Bankshares reinstates quarterly dividend at $0.10/share, first in nearly 10 years","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share declared, payable May 25, 2026 to holders of record May 11, 2026.","Dividend yield of 1.64% based on closing price of $24.44 on April 21, 2026.","CEO Litz H. Van Dyke says dividend reflects improved financial metrics and strong Q1 2026 performance.","This marks the first quarterly cash dividend for the Company in nearly a decade."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95948,"accession_number":"0001829576-26-000036","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q1 net income $85.8M from $80M gain on sale of Justice loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $85.8M, diluted EPS $3.88; vs $9.0M/$0.39 in Q1 2025.","Completed sale of $209.5M Justice-related loans for $289.5M cash; recognized $80M net gain.","Nonperforming loans fell to $24.0M from $244.0M at Dec 2025; NPL ratio improved to 0.64%.","Net interest margin expanded to 3.07% from 2.68% YoY; net interest income up 19.2% to $35.9M.","Tangible book value per share increased $3.49 from the transaction and capital ratios strengthened."],"consensus_eps_estimate":null,"consensus_eps_actual":3.88,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109405,"accession_number":"0001829576-26-000021","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-03-26T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares sells $209.5M Justice-related nonperforming loans for $289.5M cash","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Sold all loans tied to James C. Justice II entities for $289.48M cash; principal was $209.48M, all nonperforming.","Pro forma: nonperforming loans drop from 6.29% (Dec 2025) to 0.82% of total loans; allowance for credit losses falls from 1.84% to 1.46%.","Transaction expected to increase tangible book value per share by ~$3.49; specific reserve of $18.04M reversed.","Total assets rise from $4.85B to ~$4.95B; loans decline from $3.88B to ~$3.67B on a pro forma basis."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109404,"accession_number":"0001829576-26-000012","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-02-02T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares authorizes $10M share repurchase program","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board authorized repurchase of up to $10M in common stock over 12 months.","Program subject to non-objection from Federal Reserve Bank of Richmond.","Repurchases may occur in open market or private transactions, including 10b5-1 plans.","Company not obligated to repurchase any specific number of shares; program may be modified or terminated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109403,"accession_number":"0001829576-26-000009","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares provides investor presentation for Q4/FY2025 results","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation furnished on January 30, 2026, covering quarter and year ended December 31, 2025.","No specific financial figures or guidance were disclosed in the furnished filing text.","Presentation is available on the company's website for investor and analyst review."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109402,"accession_number":"0001829576-26-000007","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q4 net income $8.5M, EPS $0.38; NPLs improve to $244M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $8.5M ($0.38 EPS) vs $5.4M in Q3 and $8.3M in Q4 2024.","Full-year 2025 net income $31.4M ($1.38 EPS) vs $24.5M ($1.06) in 2024, up 28%.","Net interest margin improved to 2.92% in Q4 from 2.86% in Q3 and 2.57% in Q4 2024.","Nonperforming loans fell to $244M (6.29% of portfolio) vs $258.7M at Q3; Justice Entities curtailment payments of $14.5M in Q4.","Total portfolio loans grew $43.9M (4.5% annualized) to $3.9B; deposits stable at $4.2B."],"consensus_eps_estimate":null,"consensus_eps_actual":1.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":20315000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125870,"accession_number":"0001829576-25-000074","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-11-13T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bank gains Fed approval to become state member bank, regulated by Richmond Fed","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Carter Bank received approval from the Board of Governors of the Federal Reserve System to become a state member bank.","The bank will be regulated by the Federal Reserve Bank of Richmond; company already regulated by Richmond Fed.","CEO Litz Van Dyke says membership will streamline regulatory structure and enhance operational efficiency.","Company recently converted to a financial holding company, providing greater flexibility to innovate and grow.","Carter Bank will continue to be regulated by the Virginia State Corporation Commission."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125869,"accession_number":"0001829576-25-000071","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q3 2025 investor presentation; no new material financials disclosed in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Investor presentation available on company website; contains financial data for management use with investors.","No earnings release, guidance update, or material corporate event included in the 8-K body.","Presentation likely includes standard quarterly metrics, but specific figures not disclosed in this filing.","No change in dividend, leadership, or capital actions reported."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125868,"accession_number":"0001829576-25-000063","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q3 net income $5.4M ($0.24 EPS), down 36% from Q2; NPLs rise to $258.6M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 2025 net income $5.4M ($0.24 diluted EPS) vs $8.5M ($0.37) Q2 2025; YoY flat with $5.6M ($0.24).","Net interest income $33.7M (+4.2% QoQ, +17.1% YoY); net interest margin 2.86% (up 6 bps QoQ).","Nonperforming loans increased $8.1M to $258.6M (6.74% of loans); Justice Entities nonaccrual balance $228.6M.","Provision for credit losses expense $2.9M vs recovery of $(2.3)M prior quarter; loan growth 9.4% annualized.","Efficiency ratio improved to 73.43% from 78.63% QoQ; company repurchased 262,269 shares at $18.70 avg."],"consensus_eps_estimate":null,"consensus_eps_actual":1.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142635,"accession_number":"0001829576-25-000059","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-08-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares CEO Litz Van Dyke discloses upcoming surgery for abdominal growth","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Litz H. Van Dyke will undergo surgery later this week to remove an abdominal growth.","Recuperation expected to last a couple weeks; CEO intends to remain fully engaged with executive team support.","Van Dyke states operations shouldn't skip a beat and he feels fine currently.","CEO thanks associates for support and asks for prayers if inclined."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142634,"accession_number":"0001829576-25-000053","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-07-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q2 2025 investor presentation via Form 8-K","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Investor presentation as of June 30, 2025 furnished under Regulation FD.","Presentation available on company website; no specific financial figures disclosed in 8-K.","File does not contain earnings results or guidance updates — only the slide deck cover.","Investors must review the presentation itself for material Q2 2025 data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142633,"accession_number":"0001829576-25-000051","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q2 net income $8.5M ($0.37 EPS); NIM expands to 2.82%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $8.5M, down from $9.0M in Q1 2025 but up from $4.8M in Q2 2024; diluted EPS $0.37.","Net interest income $32.4M (+7.4% QoQ, +15.2% YoY); net interest margin (FTE) 2.82% vs 2.70% prior quarter.","NPLs $250.6M (6.69% of loans); largest Justice Entities relationship still on nonaccrual at $235.5M.","Completed branch purchase from First Reliance Bank, acquiring $55.9M in deposits and two NC locations.","Announced $20M stock repurchase program; repurchased 547,332 shares at $16.70 avg cost through June 30."],"consensus_eps_estimate":null,"consensus_eps_actual":0.76,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160692,"accession_number":"0001829576-25-000048","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Carter Bankshares holds 2025 annual meeting; all 11 directors elected, say-on-pay approved, auditor ratified","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 11 director nominees elected; shares voted range from 12.6M to 13.2M for each, broker non-votes 5.5M.","Advisory vote on executive compensation approved: 12,652,456 for, 1,006,697 against, 65,432 abstain, 5,465,075 broker non-votes.","Ratification of Crowe LLP as independent auditor for FY2025 approved: 18,824,437 for, 346,624 against, 18,599 abstain.","Total shares voted at meeting: 19,189,660 (including broker non-votes)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160691,"accession_number":"0001829576-25-000044","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-05-27T23:59:59+00:00","items":["8.01","9.01","7.01"],"status":"ready","headline":"Carter Bank completes $55.9M deposit purchase of two First Reliance Bank branches in NC","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired $55.9M in deposits from branches in Mooresville and Winston-Salem, NC; no loans acquired.","Entered Winston-Salem market for the first time; second Mooresville location expands Charlotte-area presence.","10 new associates joined Carter Bank; branches opened May 27 after weekend conversion.","Paid 4.6% deposit premium on average closing balance of transaction and savings accounts.","CEO Litz Van Dyke cited expansion opportunity and smooth transition for customers and team."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160690,"accession_number":"0001829576-25-000041","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-05-20T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares authorizes $20M share repurchase program through May 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized up to $20 million in common stock repurchases through May 14, 2026.","Repurchases may be executed via open market or privately negotiated transactions, including Rule 10b5-1 plans.","Management will determine timing and amount based on market price, conditions, liquidity, and regulatory requirements.","Program is discretionary; board may modify or terminate at any time, with no obligation to purchase any shares."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160689,"accession_number":"0001829576-25-000034","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-05-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q1 2025 investor presentation; no specific financial data in filing","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Document furnished under Regulation FD to assist investor understanding.","Presentation available on company website at www.carterbank.com.","No quantitative financial results or guidance changes disclosed in this 8-K.","Forward-looking statements and risk factors referenced; no material updates provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160688,"accession_number":"0001829576-25-000025","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-04-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"CARE Q1 net income $9.0M, EPS $0.39; Justice NPLs $245.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $9.0M ($0.39 diluted EPS), up from $8.3M ($0.36) Q4 2024 and $5.8M ($0.25) Q1 2024.","Net interest margin expanded 12 bps to 2.70%; total deposits grew $47.5M (4.6% annualized).","Justice Entities NPL principal $245.1M; received $6.9M curtailment in Q1; NPL ratio 7.09%.","Recovery provision for credit losses $(2.0)M vs $(5.1)M recovery in Q4; reserve rate on Other segment declined.","Total assets $4.7B; all capital ratios well above regulatory minimums; FHLB borrowings cut to $55M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178898,"accession_number":"0001829576-25-000020","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-03-18T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Carter Bankshares director Matthews to retire, board to shrink from 12 to 11","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director E. Warren Matthews notified board of retirement, will not stand for re-election at May 28, 2025 annual meeting.","Matthews will serve until end of current term; departure is not due to any disagreement with management.","Board plans to reduce size from 12 to 11 directors effective after the annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178895,"accession_number":"0001829576-25-000010","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K/A","filed_at":"2025-02-03T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares expands NC branch deal to acquire both Mooresville and Winston-Salem facilities","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Amendment adds acquisition of First Reliance Bank's Mooresville, NC branch facility to original agreement.","Deal now includes deposit liabilities, cash, personal property, and fixed assets for both branches.","Transaction expected to close in first half of 2025, subject to regulatory approvals.","Original agreement filed Dec 10, 2024; Amendment executed Feb 3, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178897,"accession_number":"0001829576-25-000007","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-01-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares posts Q4 2024 investor presentation; figures not in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Presentation covers Q4 and full year 2024 performance; no specific financial data included in this 8-K.","Presentation made available on company website under Regulation FD disclosure.","No earnings per share, revenue, or guidance figures are disclosed in the filing body.","Investors must review the presentation directly for detailed results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178896,"accession_number":"0001829576-25-000003","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q4 net income $8.3M, EPS $0.36; NPLs decline to $259.3M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.3M ($0.36 diluted EPS) vs $5.6M in Q3 2024 and net loss $1.9M in Q4 2023.","Nonperforming loans fell $28.4M to $259.3M (7.15% of loans); $28.9M curtailment from largest credit relationship.","Net interest margin (FTE) 2.58%, up 9 bps YoY; efficiency ratio 83.6%.","Announced acquisition of two branches in Winston-Salem and Mooresville, NC to expand footprint.","Allowance for credit losses 2.09%; specific reserves on large nonperforming credit $30.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":19413000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195570,"accession_number":"0001829576-24-000073","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-12-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Carter Bankshares to acquire two NC branches from First Reliance, assuming $56M deposits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Carter Bank will assume ~$56M in deposits from branches in Mooresville and Winston-Salem.","Pays 4.6% deposit premium; acquires no loans.","Acquires Winston-Salem branch facility; Mooresville deposits will be merged into existing Carter branch.","Transaction expected to close in first half of 2025, subject to regulatory approval.","Carter will operate 66 branches in VA and NC post-closing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195569,"accession_number":"0001829576-24-000067","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-11-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares Q3 net income $5.6M, up 55% YoY; deposits grow 5.2% QoQ","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.6M ($0.24 diluted EPS) vs $3.6M ($0.16) in Q3 2023, up 55.2%.","Net interest income $28.8M, NIM (FTE) 2.59%; loans $3.6B, up 5.4% YoY.","Deposits $4.085B, up 14.8% YoY; borrowings reduced 82.5% YoY to $90M.","NPL ratio 8.00% (driven by largest relationship); ACL coverage 2.25%.","Strong liquidity: $1.5B available, 207.8% of uninsured deposits; CET1 10.83%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195568,"accession_number":"0001829576-24-000062","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-10-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q3 net income $5.6M ($0.24 EPS); NPLs decline, lawsuit dismissed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $5.6M ($0.24 diluted EPS), up from $4.8M ($0.21) in Q2 and $3.6M ($0.16) in year-ago quarter.","GLAS Trust lawsuit voluntarily dismissed with prejudice; $15M charge-off taken related to settlement payment and Justice Entities promissory note.","Nonperforming loans fell $12.5M to $287.7M (8.00% of loans); largest relationship received $13.2M curtailment payments in Q3.","Specific reserves on largest nonperforming relationship reduced to $36.9M from $52.9M at June 30, 2024, reflecting updated cash flow analysis.","Net interest margin improved to 2.59% (FTE), up 3 bps QoQ, but still pressured by $280.9M nonaccrual relationship; deposits grew $203.8M QoQ."],"consensus_eps_estimate":null,"consensus_eps_actual":0.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211830,"accession_number":"0001829576-24-000059","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-08-28T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares resolves GLAS Trust lawsuit with prejudice; Justice entities reaffirm loans","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["GLAS Trust lawsuit dismissed with prejudice on Aug 28, 2024; cannot be refiled.","GLAS Trust and affiliates executed release waiving all claims against Carter Bank.","James C. Justice II entities reaffirmed legality and binding nature of loan documents.","Financial impact of settlement to be disclosed in Q3 2024 earnings and 10-Q."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211829,"accession_number":"0001829576-24-000053","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q2 2024 investor presentation; excerpt lacks financial details","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company furnished an investor presentation as Exhibit 99.1 under Item 7.01.","Presentation is dated June 30, 2024 and used for investor discussions.","No specific financial results, guidance, or material updates are visible in the filed portion.","Full presentation is available on the company's website."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211828,"accession_number":"0001829576-24-000050","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q2 EPS $0.21, down from Q1 $0.25 and YoY $0.24; NPL drag continues","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.8M ($0.21 diluted EPS) vs $5.8M ($0.25) Q1 2024 and $5.7M ($0.24) Q2 2023.","Justice Entities lawsuit dismissed; NPL balance reduced to $294.1M from $301.9M at Q1 2024.","Net interest income $28.1M, NIM (FTE) 2.56%, down 4bp QoQ; up 2bp YoY.","Nonperforming loans/total loans 8.46% (8.76% Q1); allowance for credit losses 2.72%.","Efficiency ratio worsened to 81.62% from 78.46% Q1; pre-tax pre-provision income $6.2M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230605,"accession_number":"0001829576-24-000043","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-06-26T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Justice lawsuits dismissed with prejudice; Justice Entities release all claims; NPL reduced to ~$294M","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Federal lawsuit voluntarily dismissed with prejudice; WV lawsuit expected to be dismissed similarly.","Justice Entities executed a release waiving all potential causes of action against Carter Bank.","Justice Entities agreed to a pathway of curtailment and payoff; NPL balance fell from $301.9M (Q1 2024) to $294.1M as of June 20, 2024.","Collateral position enhanced via cross-collateralizations, cross-guarantees, and reaffirmation of loan documents."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230604,"accession_number":"0001829576-24-000039","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Carter Bankshares shareholders elect all 12 directors, approve say-on-pay and auditor ratification","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 12 director nominees elected with votes ranging from 11.7M to 12.3M in favor; broker non-votes 5.97M.","Advisory say-on-pay approved: 11.06M for, 1.79M against, 191K abstain.","Ratification of Crowe LLP as auditor for FY2024 approved: 18.16M for, 400K against, 455K abstain.","Meeting held on May 22, 2024; 19,011,338 shares voted in person or by proxy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230603,"accession_number":"0001829576-24-000035","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-05-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Q1 net income $5.8M, EPS $0.25; NPL/loans 8.76% remains high","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.8M ($0.25 diluted EPS) vs Q4 net loss $1.9M (-$0.08); down 63.5% YoY.","Net interest margin (FTE) 2.60%, up 11bps QoQ but down 138bps YoY; efficiency ratio 79.01%.","Total deposits $3.83B (+2.9% QoQ, +8.3% YoY); total liquidity $1.3B covers 199% of uninsured deposits.","NPLs/portfolio loans 8.76% (vs 8.83% Q4), ACL 2.75%; net charge-offs annualized 0.06%.","Book value $15.60, adjusted book value $20.52; CET1 10.89%, all capital ratios above well-capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":0.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230602,"accession_number":"0001829576-24-000020","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-04-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q1 net income $5.8M ($0.25 EPS); NPL drag persists","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $5.8M vs Q4 loss $1.9M, but down 63% from $15.9M in Q1 2023.","Net interest margin (FTE) 2.60%; net interest income $28.4M, down $12.4M YoY.","Large NPL relationship $301.9M on nonaccrual; specific reserves $54.3M; lost $9.3M interest income in Q1.","Nonperforming loans / total loans 8.76%; efficiency ratio improved to 78.5% from 94.8% in Q4.","Total deposits up $108.6M to $3.8B; FHLB borrowings down $82.9M; capital ratios well capitalized."],"consensus_eps_estimate":null,"consensus_eps_actual":0.25,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248988,"accession_number":"0001829576-24-000013","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-02-15T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares faces $226M lawsuit from GLAS over Bluestone loan repayments","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["GLAS Trust seeks $226M from Carter Bank for funds received as loan repayments from Bluestone Entities owned by Gov. Justice.","Carter Bank states it received funds in good faith as part of routine refinancing; denies GLAS's allegations as false.","Bank and company intend to vigorously defend; lawsuit filed Feb 12, 2024 in Virginia federal court.","Carter Bank has indemnity agreement with Justice Entities backed by substantial pledged collateral.","No prediction on outcome; bank believes it has meritorious defenses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248987,"accession_number":"0001829576-24-000011","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-01-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares posts investor presentation for Q4 and FY2023; specific financial data not available in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Company furnished an investor presentation under Item 7.01; presentation posted on company website.","Presentation covers fourth quarter and full year 2023 performance data.","No specific financial figures (EPS, revenue, loan data) are provided in the 8-K or accompanying exhibit text.","Management intends to use presentation with investors and analysts to discuss results."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248986,"accession_number":"0001829576-24-000007","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares wins court ruling allowing collection of $302M from Justice entities","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Circuit Court denied Justice Entities' motions to set aside confessions of judgment in 21 civil cases.","Total principal debt owed is approximately $301.9 million, plus interest, charges, fees, and costs.","Carter Bank expects court orders finalizing confessions of judgment and will pursue aggressive collection.","All claims are backed by personal guarantees from Governor Justice and his wife; many also from James C. Justice III.","This proceeding is separate from a federal lawsuit filed by Justice Entities in November 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248985,"accession_number":"0001829576-24-000005","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2024-01-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q4 net loss $1.9M; NPL ratio 8.83% on $301.9M nonaccrual loan","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $1.9M ($0.08 diluted EPS) vs $3.6M income ($0.16) in Q3 2023 and $15.6M ($0.65) in Q4 2022.","Net interest margin fell to 2.47% from 4.04% a year ago; interest income hurt $9.4M by large NPL.","Nonperforming loans 8.83% of portfolio; $301.9M lending relationship on nonaccrual; specific reserve $54.3M.","Provision for credit losses rose to $2.9M from $1.1M in Q3; efficiency ratio hit 94.8%.","Sold $30M in securities for $1.5M loss to reposition portfolio; loan growth 11% annualized."],"consensus_eps_estimate":null,"consensus_eps_actual":1.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":17267000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266518,"accession_number":"0001829576-23-000060","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2023-12-12T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Carter Bankshares files new restricted stock and performance unit agreement forms under 2018 equity plan","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Filed forms for Time-Based Restricted Stock and Performance Unit Agreements for LTIP grants.","Agreements use existing Amended and Restated 2018 Omnibus Equity Incentive Plan.","No specific grant amounts or financial terms disclosed; routine adoption of award templates.","Exhibits effective for awards on or after December 14, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266517,"accession_number":"0001829576-23-000058","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2023-11-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Carter Bankshares denies allegations in lawsuit filed by WV Governor Justice, says it is fully secured","summary_kind":"llm","event_type":"litigation","confidence":"high","bullets":["Lawsuit filed Nov 10, 2023 by WV Governor Jim Justice and related entities (Justice Parties) against Carter Bank & Trust in S.D. West Virginia.","Carter Bank states it is fully secured on all loans, with collateral including The Greenbrier Resort and personal guarantees from Justice family.","Justice Parties executed release and reaffirmation agreements as recently as February 2023, which the bank intends to enforce.","Bank denies allegations as false and misleading and vows to vigorously defend the lawsuit and pursue collection actions.","Carter Bank also evaluating potential claims by other creditors of Justice Parties related to historical transactions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266516,"accession_number":"0001829576-23-000055","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2023-10-31T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Carter Bankshares furnishes Q3 2023 investor deck; specific results not provided in excerpt","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["8-K filed under Item 7.01 to furnish investor presentation (Exhibit 99.1) for Q3 2023.","Presentation available on company website; full financial data not reproduced in filing.","No earnings, guidance, or material operational updates disclosed in the furnished text.","Ticker CARE trades on NASDAQ; presentation likely used for meetings with analysts/investors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266515,"accession_number":"0001829576-23-000051","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Carter Bankshares Q3 net income drops 75% YoY to $3.6M; NPL ratio hits 9.04% on $302M nonaccrual","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS $0.16 vs $0.59 in Q3 2022; pre-tax pre-provision income falls to $5.4M from $19.5M.","Large lending relationship ($301.9M) remains on nonaccrual; represents 97.9% of total NPLs and 8.9% of loans.","Net interest margin narrows to 2.52% (-120 bps YoY) due to 194 bps rise in funding costs.","Total deposits decline $169.7M (-4.6%) YoY; CDs now 42.5% of deposits, up from 33.5%.","Loan growth of 9.6% annualized QoQ, but efficiency ratio worsens to 83.5% from 54.6% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":1.07,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283752,"accession_number":"0001829576-23-000046","cik":1829576,"company_name":"Carter Bankshares, Inc.","ticker":"CARE","form_type":"8-K","filed_at":"2023-08-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"No specific Q2 financial details available from Carter Bankshares presentation excerpt","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Investor presentation furnished under Item 7.01 and posted on company website.","Excerpt only includes forward-looking statement disclaimer; key metrics not shown.","Presentation intended for use with investors and analysts; no guidance changes disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":596216522.902012,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-08-04T23:59:59+00:00|283752"}