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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 from $8.5 million in Q2 2025 and $5.6 million in Q3 2024; 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 and 12.8% to $96.2 million for the nine months ended September 30, 2025, driven by loan growth and lower funding costs.
Pre-tax pre-provision income rose to $10.4 million in Q3 2025 from $8.0 million in Q2 2025 and $6.8 million in Q3 2024.
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
Total assets increased by $180.9 million to $4.8 billion since December 31, 2024.
Portfolio loans grew by $210.8 million (7.8% annualized), with growth in CRE, residential mortgage, construction, and consumer portfolios.
Net interest margin increased to 2.86% in Q3 2025 from 2.80% in Q2 2025 and 2.58% in Q3 2024.
Total deposits rose by $56.9 million to $4.2 billion, including $55.9 million from the branch acquisition.
Noninterest income for Q3 2025 was $5.4 million, up 9.4% sequentially; noninterest expense was $28.7 million, down $0.6 million from Q2 2025.
Outlook and guidance
Management expects continued strong fundamentals and positive trends, with a healthy loan pipeline and anticipated tailwinds from construction lending over the next 12–18 months.
The company is positioned to benefit from Federal Reserve rate reductions due to the short-term nature of its CD portfolio.
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 202526 Jan, 2026
Next Carter Bankshares earnings date
Q4 202526 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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