Welcome to our dedicated page for Carter Bankshares SEC filings (Ticker: CARE), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission (SEC) filings for Carter Bankshares, Inc. (NASDAQ: CARE), the Virginia‑incorporated bank holding company for Carter Bank. Through these filings, investors can review the company’s formal disclosures on financial condition, capital, asset quality, risk factors and corporate actions.
Carter Bankshares, Inc. uses Form 8‑K to report material events, including quarterly and annual earnings releases, investor presentations, regulatory developments and other significant updates. For example, 8‑K filings reference press releases announcing financial results for periods such as the three and nine months ended September 30, 2025, as well as the year ended December 31, 2024. Other 8‑K filings furnish investor presentations dated as of quarter‑end and describe regulatory milestones, such as Carter Bank’s approval to become a state member bank of the Federal Reserve System.
Annual reports on Form 10‑K and quarterly reports on Form 10‑Q (accessible via the SEC’s EDGAR system) contain detailed information on loan and deposit portfolios, net interest income, noninterest income and expense, nonperforming loans, allowance for credit losses and the large credit relationship in the "Other" segment of the loan portfolio. These reports also include risk factor discussions and management’s analysis of the impact of nonaccrual loans related to the Justice Entities.
Investors can also review filings related to capital and governance, such as disclosures about stock repurchase programs, financial holding company status and regulatory oversight. Forms reporting executive or director share transactions (such as Form 4, when available) help track insider trading activity in CARE common stock.
Stock Titan’s platform enhances these filings with AI‑powered summaries that highlight key points from lengthy documents, explain technical terms and surface items such as changes in credit quality, capital ratios, branch transactions and regulatory developments. Real‑time updates from EDGAR ensure that new 10‑K, 10‑Q, 8‑K and other filings for Carter Bankshares, Inc. are available promptly, while AI insights help readers focus on the most important disclosures without manually parsing every page.
Dimensional Fund Advisors LP filed a Schedule 13G reporting a significant stake in Carter Bankshares Inc common stock. The firm reports beneficial ownership of 1,123,730 shares, representing 5.1% of the outstanding common stock as of 12/31/2025. Dimensional indicates it has sole power to vote 1,100,055 shares and sole power to dispose of 1,123,730 shares, with no shared voting or dispositive power.
The shares are owned by various funds and accounts that Dimensional advises or manages, and Dimensional states it may be deemed a beneficial owner for Section 13(d) purposes but disclaims beneficial ownership of these securities. The position is certified as being held in the ordinary course of business, not for the purpose of changing or influencing control of Carter Bankshares.
Carter Bankshares, Inc. director reported gifting 950 shares of common stock on 12/16/2025, coded as a gift and recorded at a price of $0 per share. The explanation notes the shares were gifted to the director’s 21-year-old son, who is independent for tax purposes for 2025.
Following this transaction, the director directly owns 54,111 Carter Bankshares common shares and also reports indirect beneficial ownership of additional shares through Carriage Square, EASG, LLC, and Lester Family Holdings.
Carter Bankshares announced that its subsidiary, Carter Bank, received approval from the Board of Governors of the Federal Reserve System to become a state member bank. The company furnished this information under Item 7.01 (Regulation FD).
A related press release titled “Carter Bank joins the Federal Reserve of Richmond as a state member bank” was included as Exhibit 99.1. Carter Bankshares’ common stock trades on the NASDAQ Global Select Market under the symbol CARE.
Carter Bankshares, Inc. furnished an investor presentation under Regulation FD. The company provided an updated “September 30, 2025 Investor Presentation” as Exhibit 99.1 to a Form 8-K. The presentation is available on the company’s website.
The information was furnished under Item 7.01 and is not deemed filed for purposes of Section 18 of the Exchange Act, nor incorporated by reference unless expressly stated. Carter Bankshares’ common stock (par value $1.00) trades on the NASDAQ Global Select Market under the symbol CARE.
Carter Bankshares (CARE) filed its Q3 2025 10‑Q, reporting net income of $5.4 million, or $0.24 per share. Year to date, net income was $22.9 million ($1.00 per share). Net interest income rose to $33.7 million in the quarter from $28.8 million a year ago, while provision for credit losses was $2.9 million.
Total assets reached $4.84 billion, with portfolio loans net at $3.76 billion and deposits at $4.21 billion. Accumulated other comprehensive loss improved to $46.1 million, aided by $6.2 million of quarterly unrealized gains in available‑for‑sale securities. Federal Home Loan Bank borrowings were $175.5 million.
The company completed a branch purchase in North Carolina, assuming $55.9 million of deposits and recognizing $1.2 million of goodwill and a $1.0 million core deposit intangible. Carter repurchased 809,601 shares for $14.0 million year to date, and had 22,406,406 shares outstanding at September 30, 2025. As of October 29, 2025, issued and outstanding shares were 22,087,044.
Carter Bankshares (CARE) reported an insider transaction on a Form 4. A company director sold 1,901 shares of common stock at $17.23 on 10/30/2025. After the sale, the director’s direct holdings stood at 10,827 shares. The filing also lists 56,500 shares held indirectly by Iron Bay Fund (Limited Partner). The submission indicates it was filed by one reporting person.
Carter Bankshares, Inc. furnished a Form 8-K to report that it has announced its financial results for the three and nine months ended September 30, 2025. The detailed numbers and commentary are provided in a press release attached as Exhibit 99.1, which contains the full third quarter 2025 financial results.
The filing also includes an extensive forward-looking statements disclaimer. It explains that future results can be affected by factors such as interest rates, credit quality, commercial real estate exposure, cybersecurity risks, economic conditions, regulatory actions and the outcomes of litigation. The company emphasizes that these statements are based on current assumptions and may differ materially from actual results, and it does not undertake to update them except as required by law.
Matthew M. Speare, SEVP and Chief Operating Officer of Carter Bankshares, Inc. (CARE), reported a sale of 13,550 shares of the issuer's common stock on 09/10/2025 at a reported price of $19.8341 per share. After the transaction, the reporting person beneficially owned 21,909 shares. The Form 4 was submitted by one reporting person and signed by an attorney-in-fact.
Wendy S. Bell, Senior Executive Vice President and Chief Financial Officer of Carter Bankshares, Inc. (CARE), reported transactions dated 08/26/2025. The filing shows a sale of 250 common shares at $19.54 per share. A separate entry records 100 shares transferred with a $0 price to Jessica Bell DiGiorgio, and an explanatory note states these shares no longer have pecuniary interest due to Jessica no longer being in the household and were disposed into Jessica Bell DiGiorgio’s name only. The form was signed by an attorney-in-fact.
Catharine L. Midkiff, a director of Carter Bankshares (CARE), reported a sale of 2,000 shares of common stock on 07/30/2025 at approximately $17.76 per share, leaving her with 16,054 shares beneficially owned. The filing notes that 200 of the sold shares matched a purchase on 06/02/2025, producing $258 in short-swing profits that the reporting person voluntarily disgorged to the issuer.
The explanation states the matched sale was inadvertently within six months of the earlier acquisition to the extent of 200 shares and that the reporting person has remedied the matter by returning the realized profits to the company. The Form 4 is signed by an attorney-in-fact.
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