Director Shannon Kevin Meek reports 19,000 FCBM (NASDAQ: FCBM) shares on Form 3

Rhea-AI Filing Summary

First Carolina Financial Services, Inc. director Shannon Kevin Meek filed an initial ownership report on Form 3. The filing shows beneficial ownership of 19,000 shares of common stock held directly, including restricted stock awards that vest over time beginning on January 1, 2027.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Shannon Kevin Meek

Role null

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

Holdings After Transaction: Common Stock — 19,000 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Common stock owned: 19,000 shares One-year vesting RSAs: 3,314 shares Five-year vesting RSAs: 3,686 shares

3 metrics

Common stock owned 19,000 shares Beneficial ownership following reported holdings

One-year vesting RSAs 3,314 shares Restricted stock awards granted January 1, 2026; vest on first anniversary

Five-year vesting RSAs 3,686 shares Restricted stock awards granted January 1, 2026; vest in five equal annual installments

Key Terms

restricted stock awards, vest, beneficially owns

3 terms

restricted stock awards financial

"Includes (i) 3,314 restricted stock awards ("RSAs") granted on January 1, 2026"

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.

vest financial

"RSAs granted on January 1, 2026 that vest on the first anniversary"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

beneficially owns financial

"total_shares_following_transaction: 19000.0000 indicating beneficial holdings"

Beneficially owns means a person or entity enjoys the economic benefits and control of a security even if the legal title or registration is held in another name. Think of it like having the keys and profits from a car that is registered to a friend: you use it, benefit from it, and make decisions about it even though the official paperwork lists someone else. For investors, this matters because it reveals who truly controls shares, affects voting power, potential conflicts of interest, and regulatory disclosure obligations.

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Available on EDGAR 06/22/2026 - 03:06 PM Accepted by SEC EDGAR 06/17/2026 - 08:22 PM 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
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hours per response:			0.5

1. Name and Address of Reporting Person^*

Shannon Kevin Meek

(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	19,000(1)	D

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) 3,314 restricted stock awards ("RSAs") granted on January 1, 2026 that vest on the first anniversary of the grant date; and (ii) 3,686 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)

FAQ

What does Shannon Kevin Meek’s Form 3 filing for FCBM show?

The Form 3 shows Shannon Kevin Meek beneficially owns 19,000 shares of First Carolina Financial Services common stock. This includes time-based restricted stock awards that will vest over several years starting after January 1, 2027.

Is Shannon Kevin Meek buying or selling FCBM stock in this Form 3?

This Form 3 does not report a purchase or sale of FCBM stock. It is an initial ownership report that discloses Meek’s existing holdings when he became a director subject to SEC reporting.

How many FCBM shares does Shannon Kevin Meek beneficially own?

The filing reports Meek beneficially owns 19,000 shares of First Carolina Financial Services common stock. These are listed as directly held shares, including restricted stock awards subject to vesting schedules.

What restricted stock awards are included in Shannon Kevin Meek’s FCBM holdings?

Meek’s holdings include 3,314 restricted stock awards granted on January 1, 2026 that vest after one year and 3,686 restricted stock awards granted the same day that vest in five substantially equal annual installments.

Does the Form 3 for FCBM disclose any derivative securities for Shannon Kevin Meek?

The filing’s derivative summary is empty, indicating no options, warrants, or other derivative securities are reported for Meek. His disclosed position consists solely of common stock and restricted stock awards as of the filing.