{"schema_version":"secwatch.filing_event.v1","accession":"0001829576-26-000036","form_type":"8-K","ticker":"CARE","cik":"0001829576","company_name":"Carter Bankshares, Inc.","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.045605+00:00","generated_at":"2026-05-15T04:36:31.242908+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Carter Bankshares Q1 net income $85.8M from $80M gain on sale of Justice loans","bullets":["Net income $85.8M, diluted EPS $3.88; vs $9.0M/$0.39 in Q1 2025.","Completed sale of $209.5M Justice-related loans for $289.5M cash; recognized $80M net gain.","Nonperforming loans fell to $24.0M from $244.0M at Dec 2025; NPL ratio improved to 0.64%.","Net interest margin expanded to 3.07% from 2.68% YoY; net interest income up 19.2% to $35.9M.","Tangible book value per share increased $3.49 from the transaction and capital ratios strengthened."],"urls":{"canonical":"https://secwatch.observer/filing/0001829576-26-000036","json":"https://secwatch.observer/filing/0001829576-26-000036.json","markdown":"https://secwatch.observer/filing/0001829576-26-000036.md","text":"https://secwatch.observer/filing/0001829576-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000036/0001829576-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000036/care-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:36:31.242908+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":[{"claim_id":"1496578f0534ca1f1ab5a95f613392c8b45f5aac","claim":"Carter Bankshares, Inc. reported the first quarter of 2026 results: net income quarterly net income of $85.8 million, EPS $3.88 diluted earnings per share.","evidence_excerpt":"Carter Bankshares, Inc. (the “Company”) (NASDAQ:CARE), the holding company of Carter Bank (the “Bank”) today announced quarterly net income of $85.8 million, or $3.88 diluted earnings per share (“EPS”), for the first quarter of 2026","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1829576/000182957626000036/0001829576-26-000036-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2026"},{"label":"Net income","value":"quarterly net income of $85.8 million"},{"label":"EPS","value":"$3.88 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}