Carter Bankshares

Carter Bankshares Inc. is a bank holding company that operates through its subsidiary, Carter Bank & Trust, a community-focused financial institution serving customers in Virginia and neighboring markets. Carter Bankshares Inc. provides a broad range of retail and commercial banking products, including checking and savings accounts, certificates of deposit, consumer loans, residential mortgages, commercial lending, and treasury-related services. The company also offers insurance products and supports both individuals and businesses with everyday banking, financing, and cash management needs. Its business is centered on relationship banking, with services delivered through a regional branch network and complementary digital banking tools. Carter Bankshares Inc. plays a key role in regional financial intermediation by channeling deposits into credit and payment services for households, small businesses, and local commercial clients.