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Dec 31, 2025
Carter Bankshares Q4 2025 Earnings Report
Carter Bankshares reported improved profitability and margin expansion in the fourth quarter of 2025.
Key Takeaways
Carter Bankshares delivered solid fourth-quarter results with higher net income, improved net interest margin, and continued loan growth, partially offset by ongoing impacts from its largest nonperforming credit relationship.
Net income increased to $8.5 million with EPS of $0.38
Net interest margin expanded to 2.92% in the quarter
Total portfolio loans grew on an annualized basis despite credit headwinds
Capital and liquidity levels remained strong and well above regulatory requirements
Forward Guidance
Management expects continued margin expansion and solid loan growth supported by a healthy pipeline and easing interest rate environment.
Positive Outlook
- Healthy commercial loan pipeline
- Potential benefit from declining short-term interest rates
- Expansion into new geographic markets
- Strong capital and liquidity position
- Improving core operating fundamentals
Challenges Ahead
- Ongoing impact from large nonperforming credit relationship
- Uncertainty around timing of future curtailment payments
- Exposure to commercial real estate market volatility
- Macroeconomic and interest rate uncertainty
- Regulatory and credit risk pressures
Historical Earnings Impact
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Avg. Return Before/After Earnings
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