Bank call report · Martinsville, VA
Carter Bank & Trust Call Report
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Carter Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 476 reported line items, schedule by schedule (911 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3476192 |
| FDIC certificate number | 58596 |
| Total assets | $4.80B |
Official Q2 2026 call report PDF (FFIEC) →
Carter Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Carter Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $4.80B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $4.80B |
| Total Liabilities and Minority Interest | RCON2948 | $4.26B |
| Total Deposits | RCON2200 | $4.20B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $4.01B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $3.73B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $3.68B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $640.3M |
| Total Equity Capital | RCON3210 | $541.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $541.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $405.2M |
| Interest-bearing Balances | RCON0071 | $232.3M |
| Deposits: Noninterest-bearing | RCON6631 | $191.9M |
| Surplus | RCON3839 | $169.6M |
| Other Assets | RCON2160 | $99.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $75.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $55.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $41.1M |
| Other Liabilities, Total | RCON2930 | $36.1M |
| Accumulated Other Comprehensive Income | RCONB530 | -$32.9M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $12.7M |
| Trading Assets, Total | RCON3545 | $10.9M |
| Trading Liabilities, Total | RCON3548 | $10.8M |
| Other Borrowed Money | RCON3190 | $10.7M |
| Other Real Estate Owned | RCON2150 | $3.4M |
| Intangible Assets | RCON2143 | $2.0M |
| Goodwill | RCON3163 | $1.2M |
| Loans and Leases Held for Sale | RCON5369 | $467K |
Schedule RI: Income Statement (48 items)
About Schedule RI · Carter Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $120.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $112.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $112.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $105.5M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $88.0M |
| Net Income (Loss) | RIAD4340 | $88.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $88.0M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $80.1M |
| Net Interest Income | RIAD4074 | $75.9M |
| Total Noninterest Income | RIAD4079 | $73.9M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $65.1M |
| Total Noninterest Expense | RIAD4093 | $57.9M |
| Total Interest Expense | RIAD4073 | $44.8M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$32.7M |
| Provision for Loan and Lease Losses | RIAD4230 | -$31.9M |
| Salaries and Employee Benefits | RIAD4135 | $27.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $26.0M |
| Applicable Income Taxes | RIAD4302 | $24.1M |
| Other Noninterest Expense | RIAD4092 | $21.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $17.5M |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$12.5M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $8.9M |
| Other Noninterest Income | RIADB497 | $7.8M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $6.3M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $5.7M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $5.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $5.1M |
| Interest on Other Securities | RIAD4060 | $5.0M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $3.4M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $3.0M |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$1.9M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.8M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $1.7M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $1.2M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $1.2M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1.0M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $636K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $564K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $451K |
| Other Interest Income | RIAD4518 | $373K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $135K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $128K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$116K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$106K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $17K |
| Credit Losses on Off-balance Sheet Derivatives | RIADA251 | $8K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 709 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $273.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $150.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $88.3M |
| Currency and Coin | RCON0080 | $23.7M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $10.4M |
Schedule RC-B: Securities (43 items)
About Schedule RC-B · Carter Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $55.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $48.8M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $14.0M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $12.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $142.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $136.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $56.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $56.1M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $682.3M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $182.2M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $166.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $166.3M |
| Pledged Securities | RCON0416 | $139.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $115.4M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $97.5M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $91.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $82.6M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $76.4M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $70.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $64.8M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $59.2M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $56.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $50.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $47.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $36.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $36.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $28.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $21.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $20.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $20.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $19.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $16.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $16.2M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $14.4M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $14.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $4.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $2.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $2.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $2.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $1.9M |
| Unallocated portfolio layer fair value hedge basis adjustments | RCONMG95 | $520K |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $32K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Carter Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $3.74B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.58B |
| Pledged Loans and Leases | RCONG378 | $1.41B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $851.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $776.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $750.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $659.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $651.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $473.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $394.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $358.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $349.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $325.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $275.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $184.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $172.6M |
| Commercial and Industrial Loans | RCON1766 | $172.2M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $172.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $166.9M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $90.2M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $64.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $44.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $26.3M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $20.7M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $19.1M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $17.2M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $15.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $15.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $12.2M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.5M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $3.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $1.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: 1 - 4 Family Residential Construction Loans | RCONK158 | $660K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $537K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $52K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $36K |
| Other Loans | RCONJ464 | $36K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $93.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $21.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $13.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $901K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 319 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 212 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 187 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 91 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 77 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 30 |
Schedule RC-D: Trading Assets and Liabilities (2 items)
Schedule RC-E: Deposit Liabilities (37 items)
About Schedule RC-E · Carter Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $3.53B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $3.46B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.36B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $1.20B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $853.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $791.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $775.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $755.0M |
| Total Transaction Accounts | RCON2215 | $670.1M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $603.0M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $444.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $425.6M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $374.2M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $318.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $303.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $302.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $300.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $299.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $260.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $191.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $181.2M |
| Total Brokered Deposits | RCON2365 | $181.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $167.4M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $130.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $92.8M |
| Total reciprocal deposits | RCONJH83 | $77.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $72.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $67.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $62.3M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $58.4M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $50.8M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $50.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $42.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $38.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $14.0M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $4.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $1.8M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $45.7M |
| Accrued Interest Receivable | RCONB556 | $16.9M |
| Other Assets | RCON2168 | $14.9M |
| Net Deferred Tax Assets | RCON2148 | $13.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $8.5M |
| Prepaid Expenses | RCON2166 | $5.9M |
| Computer Software | RCONFT33 | $4.0M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $26.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $5.9M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $2.2M |
| All Other Liabilities | RCON2938 | $1.4M |
| Deferred Compensation Liabilities | RCONC011 | $1.0M |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Carter Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $4.89B |
| Quarterly Average of Total Loans | RCON3360 | $3.73B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $2.62B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.74B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.57B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $820.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $474.7M |
| Mortgage-backed Securities | RCONB559 | $361.9M |
| All Other Securities | RCONB560 | $316.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $304.4M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $289.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $168.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $30.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $25.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $10.8M |
| Quarterly Average of Assets Held in Trading Accounts | RCON3401 | $10.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (19 items)
About Schedule RC-L · Carter Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $463.0M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $375.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $345.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $63.5M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $62.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $36.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $33.6M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $29.9M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $20.4M |
| Amount of Financial Standby Letters of Credit Conveyed to Others | RCON3820 | $13.4M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $13.4M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $10.9M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8737 | $10.8M |
| Amount of Performance Standby Letters of Credit Conveyed to Others | RCON3822 | $2.3M |
| Performance Standby Letters of Credit | RCON3821 | $2.3M |
| Interest Rate Forward Contracts | RCON8697 | $1.9M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $1.9M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $545K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $6K |
Schedule RC-M: Memoranda (14 items)
About Schedule RC-M · Carter Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $12.7M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $10.7M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $9.7M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.6M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $2.1M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.2M |
| All other intangible assets | RCONJF76 | $812K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $588K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Three Year Through Five Years. | RCONF062 | $320K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF060 | $60K |
| Other Borrowings: with a Remaining Maturity of One Year or Less | RCONB571 | $60K |
| Outstanding balance of PPP loans | RCONLG27 | $31K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
| Number of outstanding PPP Loans | RCONLG26 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · Carter Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $209.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $37.6M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $21.6M |
| Additions to Nonaccrual Assets | RCONC410 | $17.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $13.5M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $2.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.2M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $706K |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $402K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $90K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $88K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $71K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $60K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $40K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $36K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $34K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $32K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $12K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $9K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Carter Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $4.89B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $4.20B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $2.94B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $961.2M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $743.4M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $553.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $267.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $33.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 217,318 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 11,195 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,687 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 93 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Wholesale originations and purchases during the quarter of 1-4 family residential mortgage loans for sale | RCONHT82 | $4.4M |
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $4.3M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $467K |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $43K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Trading Derivative Assets - Level 2 Fair Value Measurements | RCONG495 | $10.9M |
| Trading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG514 | $10.8M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $663.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $653.0M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $645.0M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $634.0M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $12.7M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $12.7M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $11.4M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $11.4M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $6.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $6.3M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $545K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $545K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $539K |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $539K |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $6K |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $6K |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Carter Bank & Trust regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Carter Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $4.89B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $4.88B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $3.99B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $622.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $572.8M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $572.8M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $572.8M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $541.9M |
| Retained Earnings | RCOAKW00 | $405.2M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $169.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $50.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $50.0M |
| Tier 2 Capital Before Deductions | RCOAP870 | $50.0M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$32.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$32.9M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.0M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.2M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $812K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.156 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1434 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1434 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1173 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.076 |
Schedule RC-R, Part II: Risk-Weighted Assets (78 items)
About Schedule RC-R, Part II · Carter Bank & Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $4.00B |
| Total Risk-weighted Assets | RCONG641 | $3.99B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $3.67B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $3.31B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $3.31B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $3.04B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.81B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $922.9M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $909.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $826.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $542.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $492.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $461.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $447.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $446.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $304.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $303.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $273.4M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $252.3M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $246.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $242.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $227.7M |
| Total All Other Assets | RCOND981 | $179.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $179.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $161.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $153.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $117.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $112.0M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Adjustments to Total Reported in Column a | RCONS481 | $110.8M |
| Total On-balance Sheet Securitization Exposures, Available-for-sale Securities | RCONS480 | $110.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $109.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $89.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $85.6M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $78.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $73.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $71.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $67.9M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $66.3M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$39.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $37.6M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $37.6M |
| On-balance Sheet Securitization Exposures, Available-for-sale Securities - Ssfa Risk Weight Exposure, by Calculation Methodology | RCONS483 | $29.9M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $28.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $28.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $27.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $27.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $15.2M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $13.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $13.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $13.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $13.4M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $13.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $12.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $12.2M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $12.2M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $11.3M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $10.9M |
| Total Trading Assets | RCOND976 | $10.9M |
| Trading Assets - 100 Pct Risk Weight Category | RCOND980 | $10.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $6.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $6.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $5.9M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $5.0M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $4.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $2.3M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $1.3M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.2M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $1.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCONS531 | $726K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $618K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $467K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $467K |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $448K |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $214K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $176K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 20 Pct Risk Weight Category | RCONG603 | $125K |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $53K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $18K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $541.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $397.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $397.6M |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $55.3M |
| Other Comprehensive Income | RIADB511 | $9.2M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $8.2M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Carter Bank & Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $15.9M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $15.0M |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $511K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $299K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $288K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $248K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $118K |
| Charge-offs on Automobile Loans | RIADK129 | $11K |
| Recoveries on Automobile Loans | RIADK133 | $4K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Carter Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $71.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $55.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$772K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $299K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $3.73B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $2.14B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $814.4M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $489.3M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $262.5M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $55.2M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $25.1M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $22.1M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $14.9M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $11.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $5.9M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $569K |
Schedule RI-E: Explanations (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Second Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4499 | $55.7M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $4.2M |
| Data Processing Expenses | RIADC017 | $4.0M |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $2.1M |
| Marketing and Other Professional Services | RIAD0497 | $1.7M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $1.7M |
| Legal Expense | RIAD4141 | $1.6M |
| Consulting and Advisory Expense | RIADF557 | $1.5M |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $893K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $749K |
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | -$407K |
Carter Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Carter Bank & Trust call report?
The Carter Bank & Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Carter Bank & Trust file?
Carter Bank & Trust files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Carter Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Carter Bank & Trust has Federal Reserve RSSD ID 3476192 and FDIC certificate number 58596. Either one finds its filings on the FFIEC Central Data Repository.
How often does Carter Bank & Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Carter Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58596) · FFIEC NIC profile (RSSD 3476192)