Public company intelligence preview
CARTER BANKSHARES INC
57 insider trades surfaced from the last year. This page shows only aggregate signals, not the underlying transactions, people, filings, filters, or AI workspace.
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Insider compensation
Public aggregate: $706357.31 average total compensation across covered insiders.
Governance movement
Public aggregate: 0 governance events in the last year.
Institutional ownership
Public aggregate: 122 holders from the latest quarter.
Restricted sales and governance
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The full product opens the underlying filings, insider context, historical holdings, comparison tools, and AI analysis.
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Company note
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Company Overview
Carter Bankshares Inc. is a regional bank holding company in the Financial Services sector and Banks - Regional industry, operating primarily through Carter Bank & Trust across Virginia and North Carolina. The company offers traditional community banking services, including commercial and consumer lending, mortgage products, deposits, treasury management, and digital banking, with earnings driven mainly by net interest income and supplemented by fee income. Recent filings show improved profitability in 2025, helped by loan growth, better loan yields, and lower funding costs, though results remain sensitive to interest rates and competitive deposit pricing. Management also highlights a large nonperforming credit relationship and CRE concentration as key factors influencing performance and risk.
Executive Compensation Practices
For a regional bank like Carter Bankshares, executive compensation is typically tied to core banking metrics such as net interest income growth, net interest margin, loan and deposit growth, efficiency, and credit quality. Given the company’s recent filing trend, incentives would likely emphasize disciplined balance sheet expansion, reduction of funding costs, and successful management of problem credits, especially the large nonaccrual relationship and CRE exposure. In the Financial Services sector, compensation often includes a mix of base salary, annual cash bonuses, and long-term equity awards, with bank-specific risk controls to discourage excessive loan growth or underwriting looseness. Because the company is regulated and well capitalized, board committees will likely weigh capital ratios, liquidity, CECL reserve discipline, and regulatory compliance heavily in pay decisions.
Insider Trading Considerations
Insider trading patterns at Carter Bankshares may be influenced by periods when management has clearer visibility into loan growth, deposit repricing, reserve needs, and resolution progress on the large nonperforming credit. Bank executives often face trading restrictions around quarter-end and during earnings blackout periods, and that is especially relevant here because earnings can move meaningfully with funding costs, CECL adjustments, and credit-loss provisions. In the Banks - Regional industry, insiders may be cautious about buying or selling around shifts in interest rates, regulatory developments, or updates to reserve estimates, since these can materially affect earnings and book value. The company’s recent stock buyback activity and strong capital position may also affect insider sentiment, but ongoing CRE risk and the unresolved large credit relationship remain important sources of uncertainty that could shape insider behavior.
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