{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-24-000067","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2024-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:09.888147+00:00","generated_at":"2026-05-30T07:02:44.552418+00:00","sec_items":["7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Carter Bankshares Q3 net income $5.6M, up 55% YoY; deposits grow 5.2% QoQ","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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-24-000067","json":"https://secwatch.observer/filing/0001829576-24-000067.json","markdown":"https://secwatch.observer/filing/0001829576-24-000067.md","text":"https://secwatch.observer/filing/0001829576-24-000067.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957624000067/0001829576-24-000067-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957624000067/care-20241101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:02:44.552418+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"}