# EDGAR Filing Document

**Accession Number:** 0001829576
**File Stem:** 0001829576-25-000059
**Filing Date:** 2025-8
**Character Count:** 5884
**Document Hash:** 9bbd4b1dd802dbb98997667a318e35c4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001829576-25-000059.hdr.sgml**: 20250811

**ACCESSION NUMBER**: 0001829576-25-000059

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20250811

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250811

**DATE AS OF CHANGE**: 20250811

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Carter Bankshares, Inc.
- **CENTRAL INDEX KEY:** 0001829576
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 853365661
- **STATE OF INCORPORATION:** VA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-39731
- **FILM NUMBER:** 251201235

**BUSINESS ADDRESS:**
- **STREET 1:** 1300 KINGS MOUNTAIN ROAD
- **CITY:** MARTINSVILLE
- **STATE:** VA
- **ZIP:** 24112
- **BUSINESS PHONE:** 276-656-1776

**MAIL ADDRESS:**
- **STREET 1:** 1300 KINGS MOUNTAIN ROAD
- **CITY:** MARTINSVILLE
- **STATE:** VA
- **ZIP:** 24112

?xml version='1.0' encoding='ASCII'? care-20250811

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20429**

**FORM 8-K**

**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

Date of Report (Date of earliest event reported): **August 11, 2025**

**CARTER BANKSHARES, INC.**

(Exact name of registrant as specified in its charter)

Virginia 001-39731 85-3365661 <br> (State or other jurisdictionof incorporation) (Commissionfile number) (IRS EmployerIdentification No.)

1300 Kings Mountain Road, Martinsville, Virginia 24112

(Address of Principal Executive Offices) (Zip Code)

(276) 656-1776

(Registrant's telephone number, including area code)

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| **<u>Title of each class</u>** | **<u>Trading Symbol(s)</u>** | **<u>Name of each exchange on which<br>registered</u>** |
| Common Stock, $1.00 par value | CARE | NASDAQ Global Select Market |

---

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**ITEM 7.01. - Regulation FD Disclosure.**

On August 11, 2025, Litz H. Van Dyke, Chief Executive Officer of Carter Bankshares, Inc., shared a letter with employees informing them of a recent medical update. A copy of this letter is attached as <u>[Exhibit 99.1.](ex9918112025.htm)</u>

**ITEM 9.01. - Exhibits.**

(d) Exhibits.

**Exhibit No.&nbsp;&nbsp;&nbsp;&nbsp;Description**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<u>[99.1](ex9918112025.htm)</u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Letter to employees from Litz H. Van Dyke, Chief Executive Officer of Carter Bankshares, Inc.

104&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cover Page Interactive Data File (embedded within the Inline XBRL document)

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| |
|:---|
| **CARTER BANKSHARES, INC.** |
| (Registrant) |

---

---

| | | |
|:---|:---|:---|
| Date: August 11, 2025 | By: | /s/ Wendy S. Bell |
|  | Name: | Wendy S. Bell |
|  | Title: | Chief Financial Officer |

---

## Exhibit 99.1

**Exhibit 99.1**

Date: August 11, 2025

Subject Line: Communication from Litz

Dear Fellow Associates:

I am personally writing my work family to update you regarding a health matter that I will be navigating over the coming weeks.

Recently I started noticing some changes in my health, which led me to consult with a number of physicians and specialists and undergo a series of tests. Those tests identified a growth in my abdomen that I need to have removed. I have scheduled that surgery for later this week. Like most abdominal procedures, this surgery will require a couple of weeks of initial recuperation, while my medical team and I determine what next steps may be recommended. During that time, I intend to be fully engaged in bank matters with the assistance of the bank's exceptional Executive Team. Our operations shouldn't skip a beat.

Currently I feel fine and look forward to getting this procedure behind me and feeling even better.

My faith is a central element of my life. I will continue to lean on my faith to draw strength. If you are so inclined, I do appreciate any prayers that you might offer to me, my family, and my medical team.

I very much appreciate the support of our Board of Directors, Executive Team and this exceptional organization. Thank you for your thoughts, prayers and concern.

Litz H. Van Dyke

<br>