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.
Sorting through Carter Bankshares’ dense disclosures to pinpoint loan-loss trends or shifts in deposit costs can feel overwhelming. Each quarterly earnings report stretches well past 100 pages, while every 8-K update on problem credits lands without warning. Stock Titan solves this problem by pairing AI-powered summaries with real-time EDGAR feeds, so you understand the numbers behind this Virginia-based community bank before the market reacts.
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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.
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.
Carter Bankshares disclosed that Chief Executive Officer Litz H. Van Dyke shared a letter with employees informing them of a recent medical update. The company furnished that letter as Exhibit 99.1 under a Regulation FD disclosure. The filing contains no financial metrics, operating details, transaction information, or statements about changes to leadership, succession plans, or business operations. The report is signed on the company’s behalf by Chief Financial Officer Wendy S. Bell. The 8-K therefore communicates the CEO’s employee-facing medical update without providing any information about material impacts to the company’s financial position or operations.
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