{"filings":[{"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; 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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; 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