Carter Bankshares Inc（CARE）資訊與事件CARECarter Bankshares Inc

Company's Net Interest Margin Increases to 3.38% in Q2

Net interest margin increased 31 basis points to 3.38% for the second quarter of 2026, compared to 3.07% for the prior quarter and increased 58 basis points compared to 2.80% for the prior year quarter. The Company's Tier 1 capital ratio was 14.26% at June 30, 2026, compared to 13.52% at March 31, 2026. The Company's leverage ratio was 11.65% at June 30, 2026, compared to 11.10% at March 31, 2026. The Company's total risk-based capital ratio was 15.51% at June 30, 2026, compared to 14.78% at March 31, 2026. "We are very pleased with the successful completion of the sale of our membership interest in Bearing Insurance Group, LLC during the second quarter of 2026," stated Litz H. Van Dyke, Chief Executive Officer. "This Transaction resulted in a significant capital gain, which increased tangible book value by $1.28 per share, and provided the flexibility to reposition a portion of our available-for-sale securities portfolio. We expect these strategic actions to enhance future earnings through increased asset yields and a stronger balance sheet."

Carter Bank Launches Youth Savings and Checking Accounts

Carter Bank announced the launch of two new products, carter youth savings and carter youth checking, designed to help children and teens develop smart money habits and build a strong financial foundation. Available to youth from ages 6 up to 18 years old, these accounts give parents and guardians a hands-on role in guiding and monitoring their child's spending and saving habits. Once the account holder turns 18, the youth checking account automatically converts to Carter Bank's Lifetime Free Checking, and the youth savings account transitions to a Carter Savings account. By introducing these accounts, along with financial education, Carter Bank continues its commitment to serving individuals and families across its communities, providing customers of all ages with the tools and resources needed to achieve long-term financial success.

Company's Net Interest Margin Increases to 3.07% in Q1

Net interest margin increased 15 basis points to 3.07% for the first quarter of 2026, compared to 2.92% for the prior quarter and increased 39 basis points compared to the prior year quarter; The Company's Tier 1 capital ratio was 13.52% at March 31, 2026, compared to 10.70% at December 31, 2025. The Company's leverage ratio was 11.10% at March 31, 2026, compared to 9.43% at December 31, 2025. The Company's total risk-based capital ratio was 14.78% at March 31, 2026, compared to 11.95% at December 31, 2025. Reports tangible book value per share $22.69. "We are very pleased to report the successful resolution of our largest nonperforming credit relationship during the first quarter of 2026," stated Litz H. Van Dyke, Chief Executive Officer. "This Transaction meaningfully strengthened our balance sheet and favorably increased tangible book value by $3.49 per share, while also improving key financial ratios. It represents an important milestone for the Company and positions us well for continued growth.We continued to deliver strong operating performance during the quarter, highlighted by margin expansion and solid loan growth across our footprint. Annualized loan growth of 6.1%7, net of the Transaction, reflects continued momentum in our commercial and small business lending platforms, supported by a healthy pipeline and increasing traction in commercial and industrial lending. We also expect a continued tailwind from prior construction lending commitments, which are anticipated to fund over the next 12 to 18 months as projects progress. Our balance sheet remains slightly liability sensitive, positioning us to benefit from potential Federal Reserve interest rate reductions, which we expect would further support margin expansion, particularly given the short-term nature of our certificates of deposit portfolio."