{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-24-000035","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2024-05-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:20.486289+00:00","generated_at":"2026-06-02T23:18:16.438447+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Q1 net income $5.8M, EPS $0.25; NPL/loans 8.76% remains 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."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-24-000035","json":"https://secwatch.observer/filing/0001829576-24-000035.json","markdown":"https://secwatch.observer/filing/0001829576-24-000035.md","text":"https://secwatch.observer/filing/0001829576-24-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957624000035/0001829576-24-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957624000035/care-20240503.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T23:18:16.438447+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}