First Carolina director holds 355,492 shares

First Carolina Financial Services director Charles Austin Robbins Jr. filed an initial ownership report showing his holdings of the company’s common stock.

Rhea-AI Filing Summary

First Carolina Financial Services director Charles Austin Robbins Jr. filed an initial ownership report showing his holdings of the company’s common stock. He reports 355,492 shares held directly and 16,000 shares held indirectly through his spouse as of the reported date.

The direct holdings figure includes several grants of restricted stock awards that vest over time, with awards granted between January 1, 2019 and January 1, 2026 on varying multi‑year vesting schedules.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Robbins Charles Austin Jr

Role Director

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 355,492 shares (Direct); Common Stock — 16,000 shares (Indirect, By spouse)

Footnotes (1)

1. F1. Includes (i) 1,000 restricted stock awards ("RSAs") granted on January 1, 2019 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (ii) 5,000 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iii) 5,172 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 1,828 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (v) 4,172 RSAs granted on January 1, 2026 that vest in five substantially equal annual installments on the first five anniversaries of the grant date.

Key Figures

Direct common shares: 355,492 shares Indirect common shares (spouse): 16,000 shares 2019 RSA grant: 1,000 shares +4 more

7 metrics

Direct common shares 355,492 shares Total shares held directly following reported holdings

Indirect common shares (spouse) 16,000 shares Shares held indirectly by spouse

2019 RSA grant 1,000 shares Restricted stock awards granted on January 1, 2019

2024 RSA grant 5,000 shares Restricted stock awards granted on January 1, 2024

2025 RSA grant 5,172 shares Restricted stock awards granted on January 1, 2025

2026 one-year RSA grant 1,828 shares Restricted stock awards granted on January 1, 2026, vest in one year

2026 five-year RSA grant 4,172 shares Restricted stock awards granted on January 1, 2026, vest over five years

Key Terms

restricted stock awards, RSAs, indirect, direct, +1 more

5 terms

restricted stock awards financial

"Includes (i) 1,000 restricted stock awards ("RSAs") granted on January 1, 2019"

Restricted stock awards are company shares given to employees or executives that cannot be sold or transferred until certain conditions — like staying with the company for a set time or meeting performance targets — are met, like a gift that is locked in a safe until rules are satisfied. Investors care because these awards tie management’s pay to company performance, can increase the number of shares outstanding when they become tradable (dilution), and may signal expected future selling pressure or commitment to long-term growth.

RSAs financial

"5,000 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments"

indirect financial

""ownership_type": "indirect""

direct financial

""ownership_type": "direct""

Form 3 regulatory

"INSIDER FILING DATA (Form 3):"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 06/17/2026 - 08:18 PM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Robbins Charles Austin Jr

(Last) (First) (Middle)

C/O FIRST CAROLINA FINANCIAL SERVICES

2626 GLENWOOD AVENUE SUITE 200

(Street)

RALEIGH NORTH CAROLINA 27608

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
06/17/2026

3. Issuer Name and Ticker or Trading Symbol
First Carolina Financial Services, Inc. [ FCBM ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	355,492(1)	D
Common Stock	16,000	I	By spouse

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes (i) 1,000 restricted stock awards ("RSAs") granted on January 1, 2019 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (ii) 5,000 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iii) 5,172 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 1,828 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (v) 4,172 RSAs granted on January 1, 2026 that vest in five substantially equal annual installments on the first five anniversaries of the grant date.

Remarks:

Exhibit 24.1 - Power of Attorney

	/s/ Kristen Brabble, as attorney-in-fact	06/17/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)