Carter Bankshares Q4 net income $8.5M, EPS $0.38; NPLs improve to $244M

Carter Bankshares, Inc.

2025-FY EPS reported $1.38 revenue$20,315,000

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.

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