# Carter Bankshares, Inc. (CARE) MD&A by fiscal year

Verbatim Item 7 Management's Discussion and Analysis sections from Carter Bankshares, Inc.'s 10-K filings, one page per fiscal year. Extracted from SEC filings with the same bounded parser for every year. Filer text, not grepcent analysis or investment advice.

- [FY 2025 MD&A](/company/CARE/mda/fy2025/): filed 2026-03-05; accession 0001829576-26-000018 (https://www.sec.gov/Archives/edgar/data/1829576/000182957626000018/care-20251231.htm); latest 10-K
- [FY 2024 MD&A](/company/CARE/mda/fy2024/): filed 2025-03-07; accession 0001829576-25-000016 (https://www.sec.gov/Archives/edgar/data/1829576/000182957625000016/care-20241231.htm)
- [FY 2023 MD&A](/company/CARE/mda/fy2023/): filed 2024-03-08; accession 0001829576-24-000016 (https://www.sec.gov/Archives/edgar/data/1829576/000182957624000016/care-20231231.htm)
- [FY 2022 MD&A](/company/CARE/mda/fy2022/): filed 2023-03-10; accession 0001829576-23-000009 (https://www.sec.gov/Archives/edgar/data/1829576/000182957623000009/care-20221231.htm)
- [FY 2021 MD&A](/company/CARE/mda/fy2021/): filed 2022-03-11; accession 0001829576-22-000013 (https://www.sec.gov/Archives/edgar/data/1829576/000182957622000013/care-20211231.htm)

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