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Carter Bankshares (CARE)
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Carter Bankshares Balance Sheet 2025-2011 | CARE
Brief overview of Carter Bankshares's balance sheet strength
The balance sheet is assessed across five available annual reports spanning 2021 to 2025.
The balance sheet expanded from $4.1 billion to $4.9 billion. Growth of +17.4% and CAGR of 4.1% look measured and sustainable.
The growth rates were balanced: assets changed +17.4%, while liabilities changed +18.9%.
For a financial business, a high liability share is part of the operating model, so capital is the key reference point: equity equals 8.7% of assets versus 9.9% initially.
By the end of the period, accumulated earnings were $365 million; the change from the start was +55%.
Overall assessment
Carter Bankshares's financial structure is not clear-cut. Asset scale alone does not resolve questions about how those assets are funded.
Annual Balance Sheet Carter Bankshares
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
- | - | - | - | - | - | -116 M | -294 M | -269 M | -695 M | -613 M | -242 M | -479 M | -509 M | -641 M |
Long Term Debt |
- | - | - | - | - | - | 10 M | - | - | - | - | - | - | - | 38 K |
Total Liabilities |
4.43 B | 4.27 B | 4.16 B | 3.88 B | 3.73 B | 3.74 B | 3.53 B | 3.6 B | 3.68 B | 4.07 B | 4.47 B | 4.23 B | 4.29 B | 4.08 B | 3.63 B |
Retained Earnings |
365 M | 334 M | 309 M | 286 M | 235 M | 255 M | 304 M | 278 M | 266 M | 408 M | 400 M | 372 M | 349 M | 333 M | 313 M |
Total Assets |
4.85 B | 4.66 B | 4.51 B | 4.2 B | 4.13 B | 4.18 B | 4.01 B | 4.04 B | 4.11 B | 4.51 B | 4.89 B | 4.63 B | 4.66 B | 4.44 B | 3.97 B |
Cash and Cash Equivalents |
105 M | 131 M | 54.5 M | 46.9 M | 278 M | 242 M | 126 M | - | - | - | - | - | - | - | - |
Book Value |
420 M | 384 M | 351 M | 329 M | 408 M | 440 M | 473 M | 436 M | 432 M | 435 M | 427 M | 398 M | 375 M | 359 M | 340 M |
Total Shareholders Equity |
420 M | 384 M | 351 M | 329 M | 408 M | 440 M | 473 M | - | - | - | - | - | - | - | - |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet Carter Bankshares
| 2026-Q3 | 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Total Liabilities |
4.2 B | 4.26 B | 4.29 B | 4.43 B | 4.43 B | 4.38 B | 4.3 B | 4.27 B | 4.23 B | 4.17 B | 4.2 B | 4.16 B | 4.12 B | 4.04 B | 4.01 B | 3.88 B | 3.8 B | 3.79 B | 3.76 B | 3.73 B | 3.73 B | 3.72 B | 3.75 B | 3.74 B | 3.74 B | 3.74 B | 3.74 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Retained Earnings |
483 M | 477 M | 451 M | 365 M | 356 M | 351 M | 343 M | 334 M | 325 M | 320 M | 315 M | 309 M | 311 M | 307 M | 302 M | 286 M | 270 M | 256 M | 245 M | 235 M | 230 M | 219 M | 213 M | 255 M | 255 M | 255 M | 255 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Assets |
4.73 B | 4.8 B | 4.8 B | 4.85 B | 4.84 B | 4.78 B | 4.7 B | 4.66 B | 4.61 B | 4.53 B | 4.55 B | 4.51 B | 4.45 B | 4.38 B | 4.37 B | 4.2 B | 4.11 B | 4.12 B | 4.12 B | 4.13 B | 4.13 B | 4.12 B | 4.14 B | 4.18 B | 4.18 B | 4.18 B | 4.18 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cash and Cash Equivalents |
102 M | 277 M | 228 M | 105 M | 107 M | 99.9 M | 89 M | 131 M | 105 M | 61.7 M | 108 M | 54.5 M | 55.4 M | 53.3 M | 81.4 M | 46.9 M | 65.7 M | 70.2 M | 108 M | 278 M | 226 M | 217 M | 219 M | 242 M | 242 M | 242 M | 242 M | 126 M | - | - | - | 294 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Book Value |
527 M | 539 M | 505 M | 420 M | 413 M | 406 M | 402 M | 384 M | 387 M | 364 M | 359 M | 351 M | 331 M | 344 M | 355 M | 329 M | 315 M | 334 M | 359 M | 408 M | 406 M | 399 M | 388 M | 440 M | 440 M | 440 M | 440 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Shareholders Equity |
527 M | 539 M | 505 M | 420 M | 413 M | 406 M | 402 M | 384 M | 387 M | 364 M | 359 M | 351 M | 331 M | 344 M | 355 M | 329 M | 315 M | 334 M | 359 M | 408 M | 406 M | 399 M | 388 M | 440 M | 440 M | 440 M | 440 M | 473 M | - | - | - | 436 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of Carter Bankshares, providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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