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Carter Bankshares, Inc. CARE Service Charges on Deposit Accounts — In-Scope Revenue Streams

Other product segments

Other Fees and Other Income
$3.83M+92.9%
Annual Commission on Investment
$2.48M-28.8%
Customer Commissions
$195K+17.5%
Special Production Payout
$58K+34.9%

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BPOPService Charges On Deposit Accounts — Revenue
$39.04M+0.5%
HBT
HBTService charges on deposit accounts — Revenue
$2.49M+30.0%

Other financials

Income statement

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Revenue$68.7M+84.3%
Net income$28.9M+240%
EPS (diluted)$1.31+254%

Balance sheet

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Cash & equivalents$276.5M
Total debt$10.9M+5.0%
Total equity$539.1M+32.9%
Total assets$4.8B+0.4%

Cash flow

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Operating cash flow$303.9M+4,667%
CapEx$2.3M+22.5%
Free cash flow$302.4M+6,131%

Valuation

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Market cap$731.41M+85.3%
P/E5.7×-6.9×
P/S2.9×+0.1×

Profitability

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Net margin50.5%+28.6pp
FCF margin147.6%

Returns & leverage

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Return on equity27.2%+19.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Carter Bankshares, Inc. in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The source filing: Carter Bankshares, Inc.’s 10-K, filed March 5, 2026.

Filed
Mar 5, 2026, 12:53 PM EST
Fiscal year
FY2025
Accession
0001829576-26-000018
(Dollars in Thousands)Point of Revenue Recognition202520242023
In-Scope Revenue Streams
Service Charges on Deposit AccountsAt a point in time$5,826$5,856$5,534
Other Fees and Other IncomeAt a point in time3,8261,9831,885
Debit Card Interchange FeesAt a point in time7,9357,8437,828
Insurance
Customer CommissionsAt a point in time195166131
Annual Commission on InvestmentOver time2,4753,4761,814
Special Production PayoutOver time5843

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Carter Bankshares, Inc.'s service charges on deposit accounts — in-scope revenue streams?
Carter Bankshares, Inc. (CARE) reported service charges on deposit accounts — in-scope revenue streams of $1.46M in Q4 2025.
How has Carter Bankshares, Inc.'s service charges on deposit accounts — in-scope revenue streams changed year-over-year?
Carter Bankshares, Inc.'s service charges on deposit accounts — in-scope revenue streams decreased by 0.5% year-over-year, from $1.46M to $1.46M.
What is the long-term trend for Carter Bankshares, Inc.'s service charges on deposit accounts — in-scope revenue streams?
Over 4 years (2021 to 2025), Carter Bankshares, Inc.'s service charges on deposit accounts — in-scope revenue streams has grown at a 3.7% compound annual growth rate (CAGR), from $5.04M to $5.83M.
What does service charges on deposit accounts — in-scope revenue streams mean?
This metric represents the total fee income generated from deposit account services, including maintenance fees, overdraft charges, and other transactional service fees. It serves as a key indicator of non-interest income stability and the bank's ability to monetize its retail and commercial deposit base. Monitoring this stream helps assess the effectiveness of the bank's fee structure and customer engagement strategies within its core deposit product offerings.

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