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Carter Bankshares
Carter Bankshares (CARE) investor relations material
Carter Bankshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Achieved strong financial performance in 2025, with full-year net income of $31.4M ($1.38 EPS), up from $24.5M in 2024, and Q4 net income of $8.5M, supported by robust asset and loan growth, and a well-capitalized, liquid balance sheet.
Net interest income for 2025 rose to $130.8M, up 14.3% year-over-year, with Q4 net interest income at $34.6M, up 2.6% sequentially and 18.7% year-over-year.
Maintained a diversified deposit base, expanded in key growth markets, and executed strategic initiatives focused on operational efficiency, technology, and customer experience.
Continued investments in human capital, brand, and technology to drive future growth and operational leverage.
Financial results continue to be significantly impacted by a large nonperforming credit relationship, with $214M in principal on nonaccrual status as of year-end.
Financial highlights
Net interest margin increased to 2.92% in Q4 2025, up 6 bps from Q3 and 35 bps year-over-year; full-year margin was 2.82%.
Total assets reached $4.9B, with portfolio loans at $3.9B, up $254.7M or 7.0% year-over-year.
Deposits increased $57.5M year-over-year to $4.2B; diversified and granular, with 78.2% retail customers and 81.3% insured by the FDIC.
Book value per share at $19.01; adjusted book value at $21.56.
Noninterest income for Q4 2025 was $5.2M, flat sequentially and year-over-year; full-year noninterest income rose 4.8% to $22.4M.
Outlook and guidance
Strategic focus on responsible growth, market expansion, and operational efficiency, with continued investments in technology and human capital.
Management expects continued loan growth and margin expansion, supported by a healthy loan pipeline and new commercial lending teams.
The company anticipates benefiting from further Federal Reserve rate cuts due to the short-term nature of its CD portfolio.
Plans to expand in Greenville, SC and Gastonia, NC, targeting increased market share in high-growth regions.
Resolution of the large nonperforming credit relationship remains a key focus for 2026.
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Next Carter Bankshares earnings date
Q1 202624 Apr, 2026
Carter Bankshares
Next Carter Bankshares earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
Carter Bankshares, Inc. is the holding company for Carter Bank & Trust, a state-chartered community bank operating primarily in Virginia and North Carolina. The bank provides a wide array of financial services, including deposit products like checking and savings accounts, money market accounts, and certificates of deposit. Additionally, the bank offers a comprehensive range of lending services, including consumer loans, commercial loans, mortgage loans, and home equity lines of credit. The company is headquartered in Martinsville, Virginia, and its shares are listed on the NASDAQ.
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