{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-26-000007","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2026-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.414889+00:00","generated_at":"2026-05-16T06:32:17.260136+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Carter Bankshares Q4 net income $8.5M, EPS $0.38; NPLs improve to $244M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-26-000007","json":"https://secwatch.observer/filing/0001829576-26-000007.json","markdown":"https://secwatch.observer/filing/0001829576-26-000007.md","text":"https://secwatch.observer/filing/0001829576-26-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000007/0001829576-26-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000007/care-20260129.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T06:32:17.260136+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"}