Carter Bankshares (CARE) EVP granted 1,002 restricted shares

Rhea-AI Filing Summary

Adams Arthur Loran reported acquisition or exercise transactions in this Form 4 filing.

Carter Bankshares, Inc. executive vice president Arthur Loran Adams received a grant of 1,002 shares of common stock as a restricted stock award with three-year vesting in equal annual installments. Following this award, he directly owns 11,412 shares of Carter Bankshares common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Adams Arthur Loran

Role EVP, DIRECTOR OF REG RISK MNGT

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	1,002	$0.00	--

Holdings After Transaction: Common Stock — 11,412 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Adams Arthur Loran

(Last) (First) (Middle)

1300 KINGS MOUNTAIN RD.

(Street)

MARTINSVILLE VA 24112

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Carter Bankshares, Inc. [ CARE ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	EVP, DIRECTOR OF REG RISK MNGT

3. Date of Earliest Transaction (Month/Day/Year)
02/25/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	02/25/2026		A		1,002(1)	A	$0	11,412	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Restricted Stock Awards - 3 year vesting (1/3 each year)

Remarks:

	/s/ Jessica R. Sikes, Attorney-in-Fact	02/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What transaction did CARE executive Arthur Loran Adams report?

Arthur Loran Adams reported an acquisition of 1,002 shares of Carter Bankshares common stock. The shares were granted as a restricted stock award and carry no cash purchase price, reflecting equity-based compensation rather than an open-market stock purchase.

How many CARE shares were granted in the latest insider award?

The reported award consisted of 1,002 shares of Carter Bankshares common stock. These shares were granted at a price of $0.00 per share as part of a restricted stock award, indicating compensation in equity instead of a traditional cash-based purchase of shares.

What is the vesting schedule of the restricted stock granted to the CARE executive?

The restricted stock award to the Carter Bankshares executive vests over three years. One-third of the 1,002-share grant will vest each year, meaning the shares become fully vested in equal annual installments across the three-year vesting period.

How many CARE shares does Arthur Loran Adams own after this transaction?

After the reported restricted stock grant, Arthur Loran Adams directly owns 11,412 shares of Carter Bankshares common stock. This total includes the newly awarded 1,002 restricted shares, subject to the disclosed three-year vesting schedule for the restricted stock award.

Was the insider CARE transaction a market purchase or a stock award?

The insider transaction was a stock award, not a market purchase. Carter Bankshares granted 1,002 shares of common stock to the executive at $0.00 per share as a restricted stock award with a three-year vesting schedule, reflecting equity-based compensation.

What role does the reporting person hold at Carter Bankshares (CARE)?

The reporting person, Arthur Loran Adams, serves as executive vice president and Director of Regulatory Risk Management at Carter Bankshares. His position is identified in the insider report, aligning the restricted stock award with his senior leadership role at the company.