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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
Net income for Q4 2025 was $8.5M ($0.38 EPS), up from $5.4M in Q3 2025 and $8.3M in Q4 2024; full-year 2025 net income was $31.4M ($1.38 EPS), up from $24.5M in 2024.
Net interest income for Q4 2025 was $34.6M, up 2.6% sequentially and 18.7% year-over-year; full-year net interest income rose 14.3% to $130.8M.
Loan growth remained strong, with total portfolio loans up 4.5% annualized from Q3 2025 and 7.0% year-over-year.
Financial results continue to be significantly impacted by a large nonperforming credit relationship, with $214.0M 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%.
Noninterest income for Q4 2025 was $5.2M, flat sequentially and year-over-year; full-year noninterest income rose 4.8% to $22.4M.
Noninterest expense in Q4 2025 was $31.0M, up 8% sequentially and 7% year-over-year; full-year noninterest expense increased 6.4% to $117.1M.
Efficiency ratio for Q4 2025 was 77.84% (adjusted 76.85%), up from 73.43% in Q3 but improved from 83.63% in Q4 2024.
Return on average assets for Q4 2025 was 0.70%; return on average equity was 8.12%.
Outlook and guidance
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.
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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