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Carter Bankshares, Inc.

For the period ended Sep 30, 2025. Filed Nov 3, 2025.

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About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Sep 30, 2025 · Filed Nov 3, 2025

CARE$29.48+0.3%Stored close · as of Nov 10, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Table of Contents

Part I - Financial Information
Item 1.Financial Statements3
Consolidated Balance Sheets - September 30, 2025 (unaudited) and December 31, 2024 (audited)3
Consolidated Statements of Income - Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)4
Consolidated Statements of Comprehensive Income - Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)5
Consolidated Statements of Changes in Shareholders’ Equity - Three and Nine Months Ended September 30, 2025 and 2024 (unaudited)6
Consolidated Statements of Cash Flows - Nine Months Ended September 30, 2025 and 2024 (unaudited)7
Notes to Unaudited Consolidated Financial Statements9
Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations41
Item 3.Quantitative and Qualitative Disclosures About Market Risk69
Item 4.Controls and Procedures71
Part II - Other Information
Item 1.Legal Proceedings71
Item 1A.Risk Factors71
Item 2.Unregistered Sales of Equity Securities and Use of Proceeds72
Item 3.Defaults Upon Senior Securities72
Item 4.Mine Safety Disclosures72
Item 5.Other Information73
Item 6.Exhibits73
Signatures74
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.