Carter Bankshares (CARE) risk factors

Item 1A of every Carter Bankshares, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
47 risks35 new25 dropped12 reworded
Concentration in commercial real estate loans exposes Carter Bankshares to elevated credit risk and potential default losses.
Filed Mar 05, 2026
FY2024 10-K risk factors
37 risks
Real estate loan concentrations, particularly in commercial real estate and construction, dominate the company risk profile. Heavy reliance on customer deposits and wholesale liquidity sources for funding creates structural vulnerabilities. Interest rate fluctuations and broader economic conditions in Virginia and North Carolina significantly impact profitability.
Filed Mar 07, 2025