{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-23-000003","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:46.885459+00:00","generated_at":"2026-06-20T08:26:41.673765+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Carter Bankshares posts record Q4 net income $15.6M, EPS $0.65","bullets":["Net income $15.6M ($0.65 diluted EPS) vs $5.6M ($0.21) in Q4 2021; full year $50.1M ($2.03).","Net interest income $41.5M, up 48% YoY; NIM (FTE) expanded 125 bps to 4.07%.","Total portfolio loans grew $117.6M (15.4% annualized) to $3.1B; deposits decreased $95.6M.","Nonperforming loans declined to 0.21% of total loans; net charge-offs 0.05% annualized.","Efficiency ratio improved to 59.5% for Q4; Tier 1 capital ratio 12.61%."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-23-000003","json":"https://secwatch.observer/filing/0001829576-23-000003.json","markdown":"https://secwatch.observer/filing/0001829576-23-000003.md","text":"https://secwatch.observer/filing/0001829576-23-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957623000003/0001829576-23-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957623000003/care-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:26:41.673765+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"306c98a78cf6f1e2672ebc9873085645d9e651fc","claim":"Carter Bankshares, Inc. reported financial results for the three and twelve months ended December 31, 2022.","evidence_excerpt":"On January 26, 2023, Carter Bankshares, Inc. announced by press release its earnings for the three and twelve months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1829576/000182957623000003/0001829576-23-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and twelve months ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}