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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%

Similar metrics at other companies

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TFINService charges on deposits — Revenue
$1.21M-24.1%
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WASHService Charges on Deposit Accounts — Revenue from contracts with customers
$785K+5.5%
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HBTService charges on deposit accounts — Revenue
$2.16M+11.1%
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PFSService charges on deposit accounts — Revenue
$5.2M+9.7%
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CACService charges on deposit accounts — Revenue
$2.16M-6.9%
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BANCService charges on deposit accounts — Service charges on deposit accounts
$4.98M+9.6%

Other financials

Income statement

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Revenue$106.9M+189%
Net income$85.8M+858%
EPS (diluted)$3.88+895%

Balance sheet

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Cash & equivalents$65.7M-70.9%
Total debt$10.9M+5.0%
Total equity$504.9M+25.7%
Total assets$4.8B+2.1%

Cash flow

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Operating cash flow$303.9M+4,667%
CapEx$1.5M+0.9%
Free cash flow$302.4M+6,131%

Valuation

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Market cap$726.22M+90.6%
P/E6.7×-7.1×
P/S3.3×+0.5×

Profitability

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Net margin48.5%+28.6pp
FCF margin147.6%

Returns & leverage

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Return on equity23.9%+16.6pp
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 official record: Carter Bankshares, Inc.’s 10-K, filed March 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

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.