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Carter Bankshares (CARE) investor relations material
Carter Bankshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.4 million ($0.24 EPS), down sequentially but nearly flat year-over-year, and nine-month net income was $22.9 million ($1.00 EPS), up from $16.2 million in the prior year period.
Net interest income rose 17.1% year-over-year to $33.7 million for Q3 2025, driven by loan growth and lower funding costs.
Achieved strong liquidity and capital position with CET1 at 10.66% and total available liquidity of $1.2B as of September 30, 2025.
The company completed the acquisition of two North Carolina branches, adding $55.9 million in deposits and expanding its market presence.
Financial results remain significantly impacted by large nonaccrual loans to the Justice Entities, with $228.6 million principal balance as of September 30, 2025.
Financial highlights
Net interest income increased $1.4M sequentially and $4.9M year-over-year to $33.7M in Q3 2025; nine-month net interest income was $96.2M.
Total assets reached $4.84B, up $226.7M year-over-year; portfolio loans grew $239.8M year-over-year, primarily in CRE, construction, and residential mortgages.
Total deposits rose by $56.9M to $4.2B, including $55.9M from the branch acquisition.
Net interest margin (FTE) improved to 2.87% from 2.59% a year ago.
Adjusted efficiency ratio improved to 73.37% from 80.65% year-over-year.
Outlook and guidance
Management expects continued strong fundamentals, with a healthy loan pipeline and anticipated tailwinds from construction lending over the next 12–18 months.
Strategic focus on organic growth, operational efficiency, and expansion in target markets.
Resolution of the large nonperforming credit relationship remains a priority, with confidence in long-term positioning.
The balance sheet remains liability sensitive, with flexibility to manage deposit and borrowing costs as rates change.
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Next Carter Bankshares earnings date
Q4 202523 Jan, 2026
Next Carter Bankshares earnings date
Q4 202523 Jan, 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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