<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e286c-c4a4-78e7-b875-425c6b632e37,g:04c43983-92e2-4200-92a4-3eb2fd33ebbf-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:care="http://cbtcares.com/20260630" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2024-01-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://cbtcares.com/20260630">
  <xs:import namespace="http://fasb.org/srt/2026" schemaLocation="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2026" schemaLocation="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2026" schemaLocation="https://xbrl.sec.gov/dei/2026/dei-2026.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2026" schemaLocation="https://xbrl.sec.gov/ecd/2026/ecd-2026.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="care-20260630_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="care-20260630_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="care-20260630_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="care-20260630_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="Cover" roleURI="http://cbtcares.com/role/Cover">
        <link:definition>0000001 - Document - Cover</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETS" roleURI="http://cbtcares.com/role/CONSOLIDATEDBALANCESHEETS">
        <link:definition>9952151 - Statement - CONSOLIDATED BALANCE SHEETS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDBALANCESHEETSParenthetical" roleURI="http://cbtcares.com/role/CONSOLIDATEDBALANCESHEETSParenthetical">
        <link:definition>9952152 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFINCOMEunaudited" roleURI="http://cbtcares.com/role/CONSOLIDATEDSTATEMENTSOFINCOMEunaudited">
        <link:definition>9952153 - Statement - CONSOLIDATED STATEMENTS OF INCOME (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited" roleURI="http://cbtcares.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited">
        <link:definition>9952154 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYunaudited" roleURI="http://cbtcares.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYunaudited">
        <link:definition>9952155 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS&#8217; EQUITY (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYunauditedParenthetical" roleURI="http://cbtcares.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSHAREHOLDERSEQUITYunauditedParenthetical">
        <link:definition>9952156 - Statement - CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS&#8217; EQUITY (unaudited) (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" roleURI="http://cbtcares.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited">
        <link:definition>9952157 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BASISOFPRESENTATION" roleURI="http://cbtcares.com/role/BASISOFPRESENTATION">
        <link:definition>9952158 - Disclosure - BASIS OF PRESENTATION</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHARE" roleURI="http://cbtcares.com/role/EARNINGSPERCOMMONSHARE">
        <link:definition>9952159 - Disclosure - EARNINGS PER COMMON SHARE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIES" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIES">
        <link:definition>9952160 - Disclosure - INVESTMENT SECURITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALE" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALE">
        <link:definition>9952161 - Disclosure - LOANS AND LOANS HELD-FOR-SALE</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSES" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSES">
        <link:definition>9952162 - Disclosure - ALLOWANCE FOR CREDIT LOSSES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTS" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTS">
        <link:definition>9952163 - Disclosure - FAIR VALUE MEASUREMENTS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIES" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIES">
        <link:definition>9952164 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITS" roleURI="http://cbtcares.com/role/DEPOSITS">
        <link:definition>9952165 - Disclosure - DEPOSITS</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASED" roleURI="http://cbtcares.com/role/FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASED">
        <link:definition>9952166 - Disclosure - FEDERAL HOME LOAN BANK BORROWINGS AND FEDERAL FUNDS PURCHASED</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIES" roleURI="http://cbtcares.com/role/COMMITMENTSANDCONTINGENCIES">
        <link:definition>9952167 - Disclosure - COMMITMENTS AND CONTINGENCIES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TAXEFFECTSONOTHERCOMPREHENSIVEINCOME" roleURI="http://cbtcares.com/role/TAXEFFECTSONOTHERCOMPREHENSIVEINCOME">
        <link:definition>9952168 - Disclosure - TAX EFFECTS ON OTHER COMPREHENSIVE INCOME</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PROVISIONFORINCOMETAXES" roleURI="http://cbtcares.com/role/PROVISIONFORINCOMETAXES">
        <link:definition>9952169 - Disclosure - PROVISION FOR INCOME TAXES</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKREPURCHASEPLAN" roleURI="http://cbtcares.com/role/STOCKREPURCHASEPLAN">
        <link:definition>9952170 - Disclosure - STOCK REPURCHASE PLAN</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTING" roleURI="http://cbtcares.com/role/SEGMENTREPORTING">
        <link:definition>9952171 - Disclosure - SEGMENT REPORTING</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BASISOFPRESENTATIONPolicies" roleURI="http://cbtcares.com/role/BASISOFPRESENTATIONPolicies">
        <link:definition>9955511 - Disclosure - BASIS OF PRESENTATION (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHARETables" roleURI="http://cbtcares.com/role/EARNINGSPERCOMMONSHARETables">
        <link:definition>9955512 - Disclosure - EARNINGS PER COMMON SHARE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESTables" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESTables">
        <link:definition>9955513 - Disclosure - INVESTMENT SECURITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALETables" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALETables">
        <link:definition>9955514 - Disclosure - LOANS AND LOANS HELD-FOR-SALE (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESTables" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESTables">
        <link:definition>9955515 - Disclosure - ALLOWANCE FOR CREDIT LOSSES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSTables" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSTables">
        <link:definition>9955516 - Disclosure - FAIR VALUE MEASUREMENTS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESTables" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESTables">
        <link:definition>9955517 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSTables" roleURI="http://cbtcares.com/role/DEPOSITSTables">
        <link:definition>9955518 - Disclosure - DEPOSITS (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDTables" roleURI="http://cbtcares.com/role/FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDTables">
        <link:definition>9955519 - Disclosure - FEDERAL HOME LOAN BANK BORROWINGS AND FEDERAL FUNDS PURCHASED (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESTables" roleURI="http://cbtcares.com/role/COMMITMENTSANDCONTINGENCIESTables">
        <link:definition>9955520 - Disclosure - COMMITMENTS AND CONTINGENCIES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TAXEFFECTSONOTHERCOMPREHENSIVEINCOMETables" roleURI="http://cbtcares.com/role/TAXEFFECTSONOTHERCOMPREHENSIVEINCOMETables">
        <link:definition>9955521 - Disclosure - TAX EFFECTS ON OTHER COMPREHENSIVE INCOME (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PROVISIONFORINCOMETAXESTables" roleURI="http://cbtcares.com/role/PROVISIONFORINCOMETAXESTables">
        <link:definition>9955522 - Disclosure - PROVISION FOR INCOME TAXES (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BASISOFPRESENTATIONDetails" roleURI="http://cbtcares.com/role/BASISOFPRESENTATIONDetails">
        <link:definition>9955523 - Disclosure - BASIS OF PRESENTATION (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHAREDetails" roleURI="http://cbtcares.com/role/EARNINGSPERCOMMONSHAREDetails">
        <link:definition>9955524 - Disclosure - EARNINGS PER COMMON SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="EARNINGSPERCOMMONSHAREDetails_1" roleURI="http://cbtcares.com/role/EARNINGSPERCOMMONSHAREDetails_1">
        <link:definition>9955524 - Disclosure - EARNINGS PER COMMON SHARE (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESScheduleofAmortizedCostandFairValueforAvailableforsaleSecuritiesDetails" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESScheduleofAmortizedCostandFairValueforAvailableforsaleSecuritiesDetails">
        <link:definition>9955525 - Disclosure - INVESTMENT SECURITIES - Schedule of Amortized Cost and Fair Value for Available-for-sale Securities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESNarrativeDetails" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESNarrativeDetails">
        <link:definition>9955526 - Disclosure - INVESTMENT SECURITIES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESScheduleofGrossandNetRealizedGainsandLossesDetails" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESScheduleofGrossandNetRealizedGainsandLossesDetails">
        <link:definition>9955527 - Disclosure - INVESTMENT SECURITIES - Schedule of Gross and Net Realized Gains and Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESScheduleofGrossandNetRealizedGainsandLossesDetails_1" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESScheduleofGrossandNetRealizedGainsandLossesDetails_1">
        <link:definition>9955528 - Disclosure - INVESTMENT SECURITIES - Schedule of Gross and Net Realized Gains and Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="INVESTMENTSECURITIESScheduleofAvailableforsaleSecuritieswithUnrealizedLossesDetails" roleURI="http://cbtcares.com/role/INVESTMENTSECURITIESScheduleofAvailableforsaleSecuritieswithUnrealizedLossesDetails">
        <link:definition>9955529 - Disclosure - INVESTMENT SECURITIES - Schedule of Available-for-sale Securities with Unrealized Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALENarrativeDetails" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALENarrativeDetails">
        <link:definition>9955530 - Disclosure - LOANS AND LOANS HELD-FOR-SALE - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALEScheduleofLoanPortfoliobyDollarAmountDetails" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALEScheduleofLoanPortfoliobyDollarAmountDetails">
        <link:definition>9955531 - Disclosure - LOANS AND LOANS HELD-FOR-SALE - Schedule of Loan Portfolio by Dollar Amount (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALEScheduleofTroubledDebtRestructuringsDetails" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALEScheduleofTroubledDebtRestructuringsDetails">
        <link:definition>9955532 - Disclosure - LOANS AND LOANS HELD-FOR-SALE - Schedule of Troubled Debt Restructurings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LOANSANDLOANSHELDFORSALEScheduleofModifiedLoansDetails" roleURI="http://cbtcares.com/role/LOANSANDLOANSHELDFORSALEScheduleofModifiedLoansDetails">
        <link:definition>9955533 - Disclosure - LOANS AND LOANS HELD-FOR-SALE - Schedule of Modified Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESNarrativeDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESNarrativeDetails">
        <link:definition>9955534 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESScheduleofLoanBalancesbyOriginationYearandAssignedRiskRatingDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESScheduleofLoanBalancesbyOriginationYearandAssignedRiskRatingDetails">
        <link:definition>9955535 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Schedule of Loan Balances by Origination Year and Assigned Risk Rating (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESScheduleofLoansPastDueDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESScheduleofLoansPastDueDetails">
        <link:definition>9955536 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Schedule of Loans Past Due (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESScheduleofNonaccrualLoansDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESScheduleofNonaccrualLoansDetails">
        <link:definition>9955537 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Schedule of Nonaccrual Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESScheduleofCollateralDependentLoansDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESScheduleofCollateralDependentLoansDetails">
        <link:definition>9955538 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Schedule of Collateral Dependent Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ALLOWANCEFORCREDITLOSSESScheduleofActivityinAllowanceforCreditLossesDetails" roleURI="http://cbtcares.com/role/ALLOWANCEFORCREDITLOSSESScheduleofActivityinAllowanceforCreditLossesDetails">
        <link:definition>9955539 - Disclosure - ALLOWANCE FOR CREDIT LOSSES - Schedule of Activity in Allowance for Credit Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSNarrativeDetails" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSNarrativeDetails">
        <link:definition>9955540 - Disclosure - FAIR VALUE MEASUREMENTS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofFinancialAssetsMeasuredonaRecurringBasisDetails" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSScheduleofFinancialAssetsMeasuredonaRecurringBasisDetails">
        <link:definition>9955541 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of Financial Assets Measured on a Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofAssetsMeasuredonaNonrecurringBasisDetails" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSScheduleofAssetsMeasuredonaNonrecurringBasisDetails">
        <link:definition>9955542 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of Assets Measured on a Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofAssetsMeasuredatFairValueonNonrecurringBasisValuationTechniquesDetails" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSScheduleofAssetsMeasuredatFairValueonNonrecurringBasisValuationTechniquesDetails">
        <link:definition>9955543 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of Assets Measured at Fair Value on Nonrecurring Basis, Valuation Techniques (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FAIRVALUEMEASUREMENTSScheduleofFinancialInstrumentsCarryingValuesandEstimatedFairValuesDetails" roleURI="http://cbtcares.com/role/FAIRVALUEMEASUREMENTSScheduleofFinancialInstrumentsCarryingValuesandEstimatedFairValuesDetails">
        <link:definition>9955544 - Disclosure - FAIR VALUE MEASUREMENTS - Schedule of Financial Instruments, Carrying Values and Estimated Fair Values (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESNarrativeDetails" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESNarrativeDetails">
        <link:definition>9955545 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofDerivativeAssetsandLiabilitiesDetails" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofDerivativeAssetsandLiabilitiesDetails">
        <link:definition>9955546 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Derivative Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofIncomeLossforDerivativesRecognizedinConsolidatedStatementofIncomeLossDetails" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofIncomeLossforDerivativesRecognizedinConsolidatedStatementofIncomeLossDetails">
        <link:definition>9955547 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Income (Loss) for Derivatives Recognized in Consolidated Statement of Income (Loss) (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofOffsettingAssetsandLiabilitiesDetails" roleURI="http://cbtcares.com/role/DERIVATIVEINSTRUMENTSANDHEDGINGACTIVITIESScheduleofOffsettingAssetsandLiabilitiesDetails">
        <link:definition>9955548 - Disclosure - DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES - Schedule of Offsetting Assets and Liabilities (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSScheduleofDepositsDetails" roleURI="http://cbtcares.com/role/DEPOSITSScheduleofDepositsDetails">
        <link:definition>9955549 - Disclosure - DEPOSITS - Schedule of Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSNarrativeDetails" roleURI="http://cbtcares.com/role/DEPOSITSNarrativeDetails">
        <link:definition>9955550 - Disclosure - DEPOSITS - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DEPOSITSScheduleofMaturitiesofTimeDepositsDetails" roleURI="http://cbtcares.com/role/DEPOSITSScheduleofMaturitiesofTimeDepositsDetails">
        <link:definition>9955551 - Disclosure - DEPOSITS - Schedule of Maturities of Time Deposits (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDNarrativeDetails" roleURI="http://cbtcares.com/role/FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDNarrativeDetails">
        <link:definition>9955552 - Disclosure - FEDERAL HOME LOAN BANK BORROWINGS AND FEDERAL FUNDS PURCHASED - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDScheduleofLongtermBorrowingsDetails" roleURI="http://cbtcares.com/role/FEDERALHOMELOANBANKBORROWINGSANDFEDERALFUNDSPURCHASEDScheduleofLongtermBorrowingsDetails">
        <link:definition>9955553 - Disclosure - FEDERAL HOME LOAN BANK BORROWINGS AND FEDERAL FUNDS PURCHASED - Schedule of Long-term Borrowings (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESNarrativeDetails" roleURI="http://cbtcares.com/role/COMMITMENTSANDCONTINGENCIESNarrativeDetails">
        <link:definition>9955554 - Disclosure - COMMITMENTS AND CONTINGENCIES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESScheduleofcommitmentsandLettersofCreditDetails" roleURI="http://cbtcares.com/role/COMMITMENTSANDCONTINGENCIESScheduleofcommitmentsandLettersofCreditDetails">
        <link:definition>9955555 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of commitments and Letters of Credit (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="COMMITMENTSANDCONTINGENCIESScheduleofLifeoflossReserveonUnfundedLoanCommitmentsDetails" roleURI="http://cbtcares.com/role/COMMITMENTSANDCONTINGENCIESScheduleofLifeoflossReserveonUnfundedLoanCommitmentsDetails">
        <link:definition>9955556 - Disclosure - COMMITMENTS AND CONTINGENCIES - Schedule of Life-of-loss Reserve on Unfunded Loan Commitments (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TAXEFFECTSONOTHERCOMPREHENSIVEINCOMEDetails" roleURI="http://cbtcares.com/role/TAXEFFECTSONOTHERCOMPREHENSIVEINCOMEDetails">
        <link:definition>9955557 - Disclosure - TAX EFFECTS ON OTHER COMPREHENSIVE INCOME (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="TAXEFFECTSONOTHERCOMPREHENSIVEINCOMEDetails_1" roleURI="http://cbtcares.com/role/TAXEFFECTSONOTHERCOMPREHENSIVEINCOMEDetails_1">
        <link:definition>9955557 - Disclosure - TAX EFFECTS ON OTHER COMPREHENSIVE INCOME (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PROVISIONFORINCOMETAXESScheduleofEffectiveIncomeTaxRateReconciliationDetails" roleURI="http://cbtcares.com/role/PROVISIONFORINCOMETAXESScheduleofEffectiveIncomeTaxRateReconciliationDetails">
        <link:definition>9955558 - Disclosure - PROVISION FOR INCOME TAXES - Schedule of Effective Income Tax Rate Reconciliation (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="PROVISIONFORINCOMETAXESNarrativeDetails" roleURI="http://cbtcares.com/role/PROVISIONFORINCOMETAXESNarrativeDetails">
        <link:definition>9955559 - Disclosure - PROVISION FOR INCOME TAXES - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="STOCKREPURCHASEPLANDetails" roleURI="http://cbtcares.com/role/STOCKREPURCHASEPLANDetails">
        <link:definition>9955560 - Disclosure - STOCK REPURCHASE PLAN (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SEGMENTREPORTINGDetails" roleURI="http://cbtcares.com/role/SEGMENTREPORTINGDetails">
        <link:definition>9955561 - Disclosure - SEGMENT REPORTING (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="care_FederalReserveBankExcessReserves" abstract="false" name="FederalReserveBankExcessReserves" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_InterestAndFeeIncomeLoansAndLeasesTaxable" abstract="false" name="InterestAndFeeIncomeLoansAndLeasesTaxable" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_InterestAndFeeIncomeLoansAndLeasesTaxExempt" abstract="false" name="InterestAndFeeIncomeLoansAndLeasesTaxExempt" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_InterestIncomeFederalReserveBankExcessReserves" abstract="false" name="InterestIncomeFederalReserveBankExcessReserves" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_GainOnTheLoanSaleTransaction" abstract="false" name="GainOnTheLoanSaleTransaction" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ServiceChargeCommissionsAndFeeIncome" abstract="false" name="ServiceChargeCommissionsAndFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_DebitCardFeeIncome" abstract="false" name="DebitCardFeeIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_InsuranceCommissionsIncome" abstract="false" name="InsuranceCommissionsIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_FederalDepositInsuranceCorporationExpense" abstract="false" name="FederalDepositInsuranceCorporationExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_DebitCardExpense" abstract="false" name="DebitCardExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_AdjustmentsToAdditionalPaidInCapitalExciseTaxesCollected" abstract="false" name="AdjustmentsToAdditionalPaidInCapitalExciseTaxesCollected" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_NonCashTaxCreditAmortization" abstract="false" name="NonCashTaxCreditAmortization" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_GainLossOnBankOwnedLifeInsuranceDeathBenefit" abstract="false" name="GainLossOnBankOwnedLifeInsuranceDeathBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_BankOwnedLifeInsuranceExchangeFee" abstract="false" name="BankOwnedLifeInsuranceExchangeFee" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_PaymentsForProceedsFromOtherRestrictedAssets" abstract="false" name="PaymentsForProceedsFromOtherRestrictedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ProceedsFromLifeInsurancePolicyDeathBenefit" abstract="false" name="ProceedsFromLifeInsurancePolicyDeathBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ProceedsFromLifeInsurancePolicySurrender" abstract="false" name="ProceedsFromLifeInsurancePolicySurrender" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ProceedsPaymentsForSalesPurchasesOfOtherRealEstateOwned" abstract="false" name="ProceedsPaymentsForSalesPurchasesOfOtherRealEstateOwned" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_IncreaseDecreaseInCertificatesOnDeposit" abstract="false" name="IncreaseDecreaseInCertificatesOnDeposit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_RealEstateOwnedTransferFromFixedAssets" abstract="false" name="RealEstateOwnedTransferFromFixedAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_StockRepurchaseExciseTaxSettledInSubsequentPeriod" abstract="false" name="StockRepurchaseExciseTaxSettledInSubsequentPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_StockRepurchasesSettledInSubsequentPeriod" abstract="false" name="StockRepurchasesSettledInSubsequentPeriod" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_LoansTransferToHeldForSale" abstract="false" name="LoansTransferToHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ScheduleOfCollateralDependentLoansTableTextBlock" abstract="false" name="ScheduleOfCollateralDependentLoansTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="care_OffBalanceSheetCreditLossLiabilityTableTextBlock" abstract="false" name="OffBalanceSheetCreditLossLiabilityTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="care_FirstRelianceBanksharesInc.Member" abstract="true" name="FirstRelianceBanksharesInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_WeightedAverageNumberOfSharesOutstandingIncludingParticipatingShares" abstract="false" name="WeightedAverageNumberOfSharesOutstandingIncludingParticipatingShares" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="care_OtherCommercialMortgageBackedSecuritiesMember" abstract="true" name="OtherCommercialMortgageBackedSecuritiesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_DebtSecuritiesAllowanceForCreditLossExcludingAccruedInterestImpairment" abstract="false" name="DebtSecuritiesAllowanceForCreditLossExcludingAccruedInterestImpairment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_DebtSecuritiesAvailableForSaleRealizedGainLossIncomeTaxExpense" abstract="false" name="DebtSecuritiesAvailableForSaleRealizedGainLossIncomeTaxExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_OtherFinancingReceivablesPortfolioSegmentMember" abstract="true" name="OtherFinancingReceivablesPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_FinancingReceivableTroubledDebtRestructuringIndividuallyEvaluatedForImpairment" abstract="false" name="FinancingReceivableTroubledDebtRestructuringIndividuallyEvaluatedForImpairment" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_CommercialAndIndustrialPortfolioSegmentMember" abstract="true" name="CommercialAndIndustrialPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_OtherConsumerPortfolioSegmentMember" abstract="true" name="OtherConsumerPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_ConstructionPortfolioSegmentMember" abstract="true" name="ConstructionPortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_FinancingReceivableIncludingHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss" abstract="false" name="FinancingReceivableIncludingHeldForSaleExcludingAccruedInterestBeforeAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_RestructuredLoansAxis" abstract="true" name="RestructuredLoansAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="care_RestructuredLoansDomain" abstract="true" name="RestructuredLoansDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_AccruingAndNonaccruingRestructuredLoansMember" abstract="true" name="AccruingAndNonaccruingRestructuredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_AccruingRestructuredLoansMember" abstract="true" name="AccruingRestructuredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_NonaccruingRestructuredLoansMember" abstract="true" name="NonaccruingRestructuredLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_FinancingReceivableExcludingAccruedInterestModifiedInPeriodNumberOfContracts" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_FinancingReceivableModifiedPaymentDeferralPeriod1" abstract="false" name="FinancingReceivableModifiedPaymentDeferralPeriod1" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="care_LargestCreditRelationshipLoansMember" abstract="true" name="LargestCreditRelationshipLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_LoansAndLeasesReceivableNumberOfLargeLoansEvaluated" abstract="false" name="LoansAndLeasesReceivableNumberOfLargeLoansEvaluated" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_LoansAndLeasesReceivableLargeLoanRelationshipAggregateCommercialRelationshipMinimum" abstract="false" name="LoansAndLeasesReceivableLargeLoanRelationshipAggregateCommercialRelationshipMinimum" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_IncreaseDecreaseInFinancingReceivableExcludingAccruedInterestNonaccrual" abstract="false" name="IncreaseDecreaseInFinancingReceivableExcludingAccruedInterestNonaccrual" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_FinancialAsset30To89DaysPastDueMember" abstract="true" name="FinancialAsset30To89DaysPastDueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_FinancingReceivableExcludingAccruedInterestNonaccrualIncludingAllowanceForCreditLoss" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccrualIncludingAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_BlanketUCCLienOnBusinessAssetsMember" abstract="true" name="BlanketUCCLienOnBusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_CollateralPledgedDiscountedCashFlowMember" abstract="true" name="CollateralPledgedDiscountedCashFlowMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_TimePeriodBetweenLoanCommitmentIssuanceAndClosingAndSaleOfLoan" abstract="false" name="TimePeriodBetweenLoanCommitmentIssuanceAndClosingAndSaleOfLoan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="care_OtherRealEstateMinimumThresholdToRevalueEvery24Months" abstract="false" name="OtherRealEstateMinimumThresholdToRevalueEvery24Months" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_NumberOfLoansTransferredToOtherRealEstate" abstract="false" name="NumberOfLoansTransferredToOtherRealEstate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNumberOfSecurities" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetNumberOfSecurities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_NumberOfIndividuallyEvaluatedLoanRelationships" abstract="false" name="NumberOfIndividuallyEvaluatedLoanRelationships" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_NumberOfIndividuallyEvaluatedLoans" abstract="false" name="NumberOfIndividuallyEvaluatedLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_FinancingReceivableRecordedInvestmentNumberOfLoans" abstract="false" name="FinancingReceivableRecordedInvestmentNumberOfLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_IndividuallyEvaluatedLoansFairValueDisclosure" abstract="false" name="IndividuallyEvaluatedLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_IndividuallyEvaluatedLoansRelatedAllowance" abstract="false" name="IndividuallyEvaluatedLoansRelatedAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_ValuationTechniqueAppraisalMember" abstract="true" name="ValuationTechniqueAppraisalMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_ValuationTechniqueInternalValuationsMember" abstract="true" name="ValuationTechniqueInternalValuationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_ValuationTechniqueDiscountedInternalValuationsMember" abstract="true" name="ValuationTechniqueDiscountedInternalValuationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_MeasurementInputManagementsSubjectDiscountMember" abstract="true" name="MeasurementInputManagementsSubjectDiscountMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_OtherRealEstateOwnedOneMember" abstract="true" name="OtherRealEstateOwnedOneMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_OtherRealEstateOwnedTwoMember" abstract="true" name="OtherRealEstateOwnedTwoMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_OtherRealEstateOwnedThreeMember" abstract="true" name="OtherRealEstateOwnedThreeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_IndividuallyEvaluatedLoansMeasurementInput" abstract="false" name="IndividuallyEvaluatedLoansMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="care_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_InterestRateSwapMaturing2029Member" abstract="true" name="InterestRateSwapMaturing2029Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_InterestRateSwapMaturing2027Member" abstract="true" name="InterestRateSwapMaturing2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_DerivativeTerminatedNotionalAmount" abstract="false" name="DerivativeTerminatedNotionalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_DerivativeInstrumentInterestIncomeAdjustments" abstract="false" name="DerivativeInstrumentInterestIncomeAdjustments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_CorrespondentFinancialInstitutionMember" abstract="true" name="CorrespondentFinancialInstitutionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_IncreaseDecreaseInAdvancesFromFederalHomeLoanBank" abstract="false" name="IncreaseDecreaseInAdvancesFromFederalHomeLoanBank" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_FederalHomeLoanBankAdvancesGeneralDebtObligationsMaximumAmountAvailablePercentageOfTotalAssets" abstract="false" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsMaximumAmountAvailablePercentageOfTotalAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="care_FederalHomeLoanBankAdvancesGeneralDebtObligationsAccordionFeature" abstract="false" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsAccordionFeature" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_FederalHomeLoanBankAdvancesGeneralDebtObligationsUnsecuredFacilitiesAmount" abstract="false" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsUnsecuredFacilitiesAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_NumberOfFederalHomeLoanBankBranchesEntityHoldsUnsecuredFacilitiesIn" abstract="false" name="NumberOfFederalHomeLoanBankBranchesEntityHoldsUnsecuredFacilitiesIn" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_NumberOfFederalHomeLoanBankBranchesEntityHoldsSecuredFacilitiesIn" abstract="false" name="NumberOfFederalHomeLoanBankBranchesEntityHoldsSecuredFacilitiesIn" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="care_FederalHomeLoanBankAdvancesGeneralDebtObligationsSecuredFacilitiesAmount" abstract="false" name="FederalHomeLoanBankAdvancesGeneralDebtObligationsSecuredFacilitiesAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_JusticeEntitiesCaseInCircuitCourtOfGreenbrierCountryWestVirginiaMember" abstract="true" name="JusticeEntitiesCaseInCircuitCourtOfGreenbrierCountryWestVirginiaMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_UnusedCommitmentsToExtendCreditPercentToTotal" abstract="false" name="UnusedCommitmentsToExtendCreditPercentToTotal" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationTaxCreditRehabilitationCreditsAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditRehabilitationCreditsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationTaxCreditInvestmentAmortizationAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditInvestmentAmortizationAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationIncomeFromBankOwnedLifeInsuranceAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationIncomeFromBankOwnedLifeInsuranceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationTaxCreditRehabilitationCreditsPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditRehabilitationCreditsPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationTaxCreditInvestmentAmortizationPercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationTaxCreditInvestmentAmortizationPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="care_EffectiveIncomeTaxRateReconciliationIncomeFromBankOwnedLifeInsurancePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationIncomeFromBankOwnedLifeInsurancePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="care_HistoricalTaxCreditProgramInvestmentsMember" abstract="true" name="HistoricalTaxCreditProgramInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="care_A2026RepurchaseProgramMember" abstract="true" name="A2026RepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
</xs:schema>
