Carter Bankshares Investor Relations Material

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.