CARE EVP granted 3,604 restricted shares

Davis Jane Ann reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Davis Jane Ann reported acquisition or exercise transactions in this Form 4 filing.

Carter Bankshares, Inc. executive Jane Ann Davis, EVP and Chief Administrative Officer, received a grant of 3,604 shares of common stock as a restricted stock award. These shares were awarded at no cash cost and vest over three years, with one-third vesting each year. After this grant, she directly holds 17,327 common shares.

Insider Trade Summary

Grant/Award: 3,604 shares

Grant/Award 1 txn

Insider Davis Jane Ann

Role EVP, CHIEF ADMIN. OFFICER

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	3,604	$0.00	$0.00

Holdings After Transaction: Common Stock — 17,327 shares (Direct)

Footnotes (1)

1. F1. Restricted Stock Awards - 3 year vesting (1/3 each year)

Key Figures

Restricted stock granted: 3,604 shares Price per granted share: $0.00 per share Shares held after transaction: 17,327 shares +1 more

4 metrics

Restricted stock granted 3,604 shares Common Stock grant on 2026-06-30

Price per granted share $0.00 per share Restricted stock award terms

Shares held after transaction 17,327 shares Direct ownership following grant

Vesting schedule 3-year vesting Restricted Stock Awards - 1/3 each year

Key Terms

Restricted Stock Awards, grant/award acquisition, Common Stock, Form 4

4 terms

Restricted Stock Awards financial

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

Restricted stock awards are company shares given to employees or executives that cannot be sold or transferred until certain conditions — like staying with the company for a set time or meeting performance targets — are met, like a gift that is locked in a safe until rules are satisfied. Investors care because these awards tie management’s pay to company performance, can increase the number of shares outstanding when they become tradable (dilution), and may signal expected future selling pressure or commitment to long-term growth.

grant/award acquisition financial

"transaction_action: grant/award acquisition"

Common Stock financial

"security_title: Common Stock"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Form 4 regulatory

"INSIDER FILING DATA (Form 4)"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did CARE executive Jane Ann Davis report?

Jane Ann Davis reported receiving a grant of 3,604 shares of Carter Bankshares common stock. The shares were awarded as restricted stock, not purchased on the market, and increase her direct holdings to 17,327 shares after the transaction.

Was the CARE Form 4 transaction a stock purchase or a grant?

The transaction was a grant of restricted stock, not an open-market purchase. Jane Ann Davis acquired 3,604 common shares at a stated price of $0.00 per share as part of her compensation, according to the Form 4 filing details.

How do the restricted stock awards to CARE’s EVP vest?

The restricted stock awards to Jane Ann Davis vest over three years. The footnote states they have a three-year vesting schedule, with one-third of the granted shares vesting in each year until fully vested under that schedule.

How many Carter Bankshares shares does Jane Ann Davis hold after this grant?

After the reported grant, Jane Ann Davis directly holds 17,327 shares of Carter Bankshares common stock. This total reflects her position immediately following the acquisition of 3,604 restricted shares reported in the Form 4 filing.

Does the CARE Form 4 show any stock sales by Jane Ann Davis?

The Form 4 shows no stock sales by Jane Ann Davis. It reports only one acquisition transaction coded as a grant or award of 3,604 restricted shares, with no dispositions or derivative exercises indicated in the summarized data.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/02/2026 - 12:52 PM EDT Learn about SEC filing dates

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^*

Davis Jane Ann

(Last) (First) (Middle)

1300 KINGS MOUNTAIN RD

(Street)

MARTINSVILLE VIRGINIA 24112

(City) (State) (Zip)

UNITED STATES

(Country)

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, CHIEF ADMIN. OFFICER

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
06/30/2026

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

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

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

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	06/30/2026		A		3,604(1)	A	$0	17,327	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/ Lisa J. Correll, Attorney-in-fact	07/02/2026
	** 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.
* Form 4: SEC 1474 (03-26)