Carter Bankshares, Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Martinsville, VA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $20 million and a profit of $31 million (its filed statements).
Lending businessNational Commercial BanksMartinsville, VAfilings since 20209 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.0 out of ten, 9 of 9 metrics filed: past 5.9 out of ten, present 4.1 out of ten, future 4.8 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2020. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 2.3 out of ten. +8% a year over 7 filed years; profitable in 6 of 7. 23rd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.3 out of ten. Share count shrank 3.0% a year. 29% of cash flow returned. Insiders: 7 sales, 1 purchases. 63rd percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 3.6 out of ten. ROE 7%: 7¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar. 36th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 3.6 out of ten. bottom 36% of 79 in its family; net margin 154.4%. 36th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.8 out of ten. top 42% of 74 in its family for leadership; chief executive since 2020. 58th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 7.2 out of ten. top 28% of 71 in its family for room to expand. 72nd percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.9 out of ten. bottom 39% of 79 in its family for growth drivers. 39th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 3.3 out of ten. bottom 33% of 76 in its family for expectations against reality. 33rd percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-05 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form SCHEDULE 13G/A, 2026-10-08. Filings on record since 2020. Read from EDGAR 2026-10-12.
Who runs it
Van, Dyke Litz H (CHIEF EXECUTIVE OFFICER); Langs, Bradford N. (PRESIDENT, CHIEF STRATEGY OFCR); Bell, Wendy S. (SENIOR EXECUTIVE VP, CFO); Speare, Matthew M. (SEVP, CHIEF OPERATING OFFICER); Davis, Jane Ann (EVP, CHIEF ADMIN. OFFICER); Kallsen, Tony E (SEVP, CHIEF CREDIT OFFICER); Adams, Arthur Loran (EVP, DIRECTOR OF REG RISK MNGT); Karavatakis, Phyllis Q. (SR EXEC VP OF SPECIAL PROJECTS); Midkiff, Catharine L. (director); Feldmann, Gregory W (director); and 7 more. 17 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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