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.
Carter Bankshares, Inc. executive Jane Ann Davis, EVP and Chief Administrative Officer, reported two stock transactions involving the company’s common stock. She acquired 1,230 shares as a grant or award at $0.00 per share, described as restricted stock awards with three-year vesting in equal annual thirds. She also disposed of 291 shares at $22.01 per share to cover tax obligations through share withholding rather than an open-market sale. Following these transactions, she held 12,739 common shares directly.
Carter Bankshares, Inc. reported that President and Chief Strategy Officer Bradford N. Langs received equity compensation in the form of restricted stock awards and had a small share disposition for tax purposes. On February 25, 2026, he acquired 3,689 shares of common stock as a restricted stock award with three-year vesting at one-third per year, and an additional 4,428 shares as a restricted stock award with three-year cliff vesting. On February 14, 2026, 781 shares of common stock were disposed of at $22.01 per share to satisfy tax withholding obligations, rather than an open-market sale.
Carter Bankshares, Inc. director and CEO Van Dyke Litz reported stock-based compensation and a tax-related share disposition. On February 25, 2026, he acquired 4,870 and 7,198 shares of common stock at $0.00 per share as restricted stock awards, with three-year vesting structures (one vests 1/3 each year, the other after three years). On February 14, 2026, 1,158 shares were disposed of at $22.01 per share to cover tax obligations. Following one of the awards, his direct holdings were reported as 68,286 common shares.
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.
Carter Bankshares, Inc. reported that Senior Executive Vice President and Chief Operating Officer Matthew M. Speare acquired common stock through two restricted stock awards on February 25, 2026. He received 2,220 shares and an additional 3,075 shares at no purchase price. After these awards, his directly owned common stock holdings increased to 27,204 shares. One grant consists of restricted stock that vests over three years at one-third each year, while the other is restricted stock that vests on a three-year cliff schedule.
Fourthstone LLC and affiliated funds report beneficial ownership of 1,236,393 shares of Carter Bankshares, Inc. common stock, representing 5.60% of the class as of the reporting date.
The stake is held by Fourthstone as a registered investment adviser on behalf of advisory clients and, together with related entities and L. Phillip Stone IV, is certified as being acquired and held in the ordinary course of business, not for changing or influencing control. The percentage is based on 22,087,044 shares outstanding as of October 29, 2025, as disclosed in Carter Bankshares’ Form 10-Q.
Carter Bankshares director Elizabeth L. Walsh reported an insider transaction involving the company’s common stock. On 01/30/2026, she gifted 900 shares of Carter Bankshares common stock to her mother, a transfer reported at a price of $0 per share, which is typical for a gift.
After this transaction, Walsh directly owned 54,178 shares of Carter Bankshares common stock. She also reported indirect ownership positions, including 4,769 shares held by Carriage Square, 367,771 shares held by EASG, LLC, and 16,000 shares held by Lester Family Holdings. The filing reflects a change in how a portion of her holdings is allocated within her family, rather than a market sale for cash.
Carter Bankshares, Inc. has authorized a common share repurchase program for up to $10,000,000 of its common stock. The program will run for twelve months from the date the company receives non-objection from the Federal Reserve Bank of Richmond.
The company may repurchase shares through open market purchases or privately negotiated transactions, including under Rule 10b5-1 and Rule 10b-18 trading plans. Management has full discretion over timing and amount, and the Board can modify or terminate the program at any time. The company is not required to repurchase any specific number of shares.
Carter Bankshares, Inc. furnished an updated investor presentation dated December 31, 2025 as Exhibit 99.1 to a Form 8-K under Regulation FD. Management plans to use this material with investors, analysts and other interested parties, and it is also available on the company’s website.
The investor materials are furnished, not filed, so they are not subject to Section 18 liability and are not automatically incorporated into other securities filings. The document also includes extensive cautionary language about forward-looking statements and the many economic, regulatory and credit-related risks that could cause actual results to differ.
Carter Bankshares, Inc. director Elizabeth L. Walsh reported a bona fide gift of 835 shares of common stock to her son on January 29, 2026, coded as transaction type “G” at a price of $0 per share. Following the gift, she directly holds 55,078 common shares and also reports indirect beneficial ownership of 4,769 shares through Carriage Square, 367,771 shares through EASG, LLC, and 16,000 shares through Lester Family Holdings. The filing documents her updated ownership position rather than a sale for cash.