CARTER BANKSHARES INC is the bank holding company. CARTER BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

CARTER BANKSHARES INC

Legal name: CARTER BANKSHARES, INC.

1 active bank · $4.8B combined assets

RSSD ID: 5530258 (FFIEC NIC)

Combined Assets

$4.8B

CRA Rating Summary

Satisfactory1charter

Across all 6 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankCARTER BANK & TRUSTMARTINSVILLE, VASatisfactory$4.8BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$4.8B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$4.2B

Net Income

$86M

ROA (avg)

7.13%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

490

Origination Rate

62.04%

Denial Rate

28.16%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CARTER BANK & TRUST	MARTINSVILLE, VA	FDIC	$4.8B	100.0%	Satisfactory	May 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.