SCHEDULE 13G

Carter Bankshares Inc

Common Stock, $1 par value · CUSIP: 146103106

Event date: 2025-12-31

Reporting persons may disclose overlapping interests. Their amounts are shown individually and are not added into a filing total.

Filing-level shares

Unavailable

Percent of class

Unavailable

• Fourthstone LLC

  Shares: 1,236,393.00 · Class: 5.60%

• Fourthstone Master Opportunity Fund Ltd

  Shares: 958,846.00 · Class: 4.34%

• Fourthstone GP LLC

  Shares: 277,547.00 · Class: 1.26%

• Fourthstone QP Opportunity Fund LP

  Shares: 251,417.00 · Class: 1.14%

• Fourthstone Small-Cap Financials Fund LP

  Shares: 26,130.00 · Class: 0.12%

• L. Phillip Stone, IV

  Shares: 1,236,393.00 · Class: 5.60%

Amounts are as disclosed in this filing. Schedule type alone does not establish investment intent.