{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-25-000074","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2025-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.669359+00:00","generated_at":"2026-05-16T20:32:05.369415+00:00","sec_items":["7.01","9.01"],"event_type":"regulatory","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Carter Bank gains Fed approval to become state member bank, regulated by Richmond Fed","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-25-000074","json":"https://secwatch.observer/filing/0001829576-25-000074.json","markdown":"https://secwatch.observer/filing/0001829576-25-000074.md","text":"https://secwatch.observer/filing/0001829576-25-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957625000074/0001829576-25-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957625000074/care-20251113.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T20:32:05.369415+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"}