0001829576 2026-08-11 2026-08-11 0001829576 1 2026-08-11 2026-08-11 iso4217:USD pure shares S-3 S-3D EX-FILING FEES 0001829576 Carter Bankshares, Inc. N/A N/A S-3 Carter Bankshares, Inc. false Equity Common Stock, par value $1.00 per share true 1000000 33.66 33660000.00 0.0001381 4648.45 33660000.00 4648.45 0.00 0.00 4648.45 This registration statement on Form S-3D registers the issuance of 1,000,000 shares of common stock, par value $1.00 per share, of Carter Bankshares, Inc., which are issuable pursuant to the Carter Bankshares, Inc. Dividend Reinvestment and Stock Purchase Plan. Pursuant to Rule 416(a) under the Securities Act of 1933, as amended (the "Securities Act"), the number of shares of common stock being registered hereunder includes such indeterminate number of additional shares of common stock as may become issuable as a result of any stock dividend, split, combination or similar transaction. The proposed maximum offering price per share and the maximum aggregate offering price are estimated solely for the purpose of calculating the amount of the registration fee pursuant to Rule 457(c) under the Securities Act, based upon the average of the high and low prices for our common stock on August 7, 2026 (rounded up to the nearest cent), as reported by the NASDAQ Global Select Market.