Carter Bankshares Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	105.16	131.17	54.53	46.87	277.8
Securities and Investments	701.9	728.44	779	836.27	922.4
Other Earning Assets	0.34	-	-	-	0.23
Gross Loans	3,880	3,625	3,506	3,149	2,812
Allowance for Loan Losses	-71.49	-75.6	-97.05	-93.85	-95.94
Net Loans	3,808	3,549	3,409	3,055	2,716
Net Property, Plant & Equipment	72.5	74.33	73.71	72.11	75.3
Accrued Interest and Accounts Receivable	100.04	109.29	114.24	119.34	73.19
Other Intangible Assets	0.94	-	-	-	-
Goodwill	1.19	-	-	-	-
Long-Term Investments	61.64	66.08	79.74	66.47	57.73
Other Non-Earning Assets	0.14	0.66	2.46	8.39	10.92
Total Assets	4,852	4,659	4,513	4,205	4,134
Interest-bearing deposits	3,590	3,519	3,037	2,927	2,951
Noninterest-bearing deposits	620.47	634.44	685.22	705.54	747.91
Total Deposits	4,211	4,153	3,722	3,633	3,698
Short-Term Interbank Borrowing and Repurchase Agreements	178.5	70	393.4	198.42	7
Accrued Expenses	42.84	51.46	45.98	44.93	20.67
Total Liabilities	4,432	4,275	4,161	3,876	3,726
Common Stock	22.08	23.07	22.96	23.96	26.43
Additional Paid-in Capital	74.81	92.16	90.64	104.69	143.99
Accumulated Other Comprehensive Income	-42.16	-64.52	-71.44	-85.62	1.7
Retained Earnings	364.97	333.61	309.08	285.59	235.48
Shareholders' Equity	419.7	384.31	351.24	328.63	407.6
Total Liabilities & Equity	4,852	4,659	4,513	4,205	4,134
Book Value	419.7	384.31	351.24	328.63	407.6
Book Value Per Share	18.69	16.84	15.11	13.36	15.47
Tangible Book Value	417.56	384.31	351.24	328.63	407.6
Tangible Book Value Per Share	18.59	16.84	15.11	13.36	15.47

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q