Carter Bankshares, Inc. 8-K

What Happened
Carter Bankshares, Inc. (CARE) announced its financial results for the three months and the year ended December 31, 2025 in a press release dated January 29, 2026. The company furnished the press release as Exhibit 99.1 to a Form 8-K (Items 2.02 and 9.01). The filing was signed by Wendy S. Bell, Chief Financial Officer.

Key Details

• Announcement date: January 29, 2026; reporting periods: three months and year ended December 31, 2025.
• Press release attached to the 8-K as Exhibit 99.1 announcing Q4 and full-year 2025 results.
• Filing items: Item 2.02 (Results of Operations and Financial Condition) and Item 9.01 (Exhibits).
• The press release contains forward-looking statements and a detailed caution about risks (interest rate moves, CECL adoption, CRE concentration, liquidity/capital, regulatory matters, etc.).

Why It Matters
This 8-K signals that Carter Bankshares has released its most recent quarterly and annual performance metrics—information investors use to assess earnings, revenue, asset quality and capital. The inclusion of forward-looking statements and an extensive risk discussion means management provided outlook-related commentary but cautioned that actual results may differ. Investors should read the attached press release and the company’s recent SEC filings (including the 2024 Form 10-K risk factors) for the detailed financial metrics and context before making investment decisions.