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How Carter Bankshares (CARE) makes money

Carter Bankshares (CARE) made $46.2M of revenue in the third quarter 2026 (Q3 2026), +18% from a year earlier. Net interest income brought in $41.2M (89%); Noninterest income brought in $5.0M (11%). Of every dollar of revenue, 14¢ was left as operating profit, 17¢ was left as net earnings.

Drawing the Sankey…

Carter Bankshares revenue by segment, Q3 2026Carter Bankshares revenue by segment, Q3 2026Net interest income$41.2MNoninterest income$5.0M
Carter Bankshares: where each dollar of revenue goesCarter Bankshares: where each dollar of revenue goesOperating profit14¢Net earnings17¢Operating cash flow3¢

Revenue by segment, Q3 2026

SegmentRevenueShareQ/QY/Y
Net interest income$41.2M89.2%+3%+22%
Noninterest income$5.0M10.8%-83%-7%

Where each dollar of revenue goes

LineQ3 2026% of revenue
Revenue$46.2M100.0%
Operating profit$6.4M13.8%
Net earnings$7.8M16.8%
Operating cash flow$1.5M3.3%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q3 2026$46.2M+18%

From Carter Bankshares' 10-Q filed Nov 5, 2026 (on EDGAR).

Questions

How does Carter Bankshares make money?

Carter Bankshares (CARE) made $46.2M of revenue in the third quarter 2026 (Q3 2026), +18% from a year earlier. Net interest income brought in $41.2M (89%); Noninterest income brought in $5.0M (11%). Of every dollar of revenue, 14¢ was left as operating profit, 17¢ was left as net earnings.

What is Carter Bankshares' biggest business?

Net interest income: $41.2M in the third quarter 2026, 89% of revenue, +22% from a year earlier.

What is Carter Bankshares' profit margin?

Net earnings were $7.8M, 16.8% of revenue, in the third quarter 2026; the operating margin was 13.8%.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.