First Carolina director holds 297,782 FCBM shares

First Carolina Financial Services, Inc. director Sandra Bell Boone has reported beneficial ownership of 297,782 shares of common stock.

Rhea-AI Filing Summary

First Carolina Financial Services, Inc. director Sandra Bell Boone has reported beneficial ownership of 297,782 shares of common stock. This total includes several grants of restricted stock awards that vest over time, with tranches granted in 2019, 2024, 2025, and 2026 on multi-year schedules tied to grant anniversaries.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Boone Sandra Bell

Role Director

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

Holdings After Transaction: Common Stock — 297,782 shares (Direct)

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) 3,646 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iii) 4,028 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 3,314 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (v) 2,686 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

Total common shares owned: 297,782 shares 2019 restricted stock awards: 1,000 shares 2024 restricted stock awards: 3,646 shares +3 more

6 metrics

Total common shares owned 297,782 shares Beneficial ownership reported on Form 3

2019 restricted stock awards 1,000 shares RSAs granted January 1, 2019; vest over 10 years

2024 restricted stock awards 3,646 shares RSAs granted January 1, 2024; 5-year annual vesting

2025 restricted stock awards 4,028 shares RSAs granted January 1, 2025; 5-year annual vesting

2026 one-year vest RSAs 3,314 shares RSAs granted January 1, 2026; vest after one year

2026 five-year vest RSAs 2,686 shares RSAs granted January 1, 2026; 5-year annual vesting

Key Terms

restricted stock awards, RSAs, vest, annual installments, +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

"3,646 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments"

vest financial

"that vest in ten substantially equal annual installments on the first ten anniversaries"

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.

annual installments financial

"that vest in five substantially equal annual installments on the first five anniversaries"

anniversaries of the grant date financial

"on the first five anniversaries of the grant date"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many First Carolina Financial Services (FCBM) shares does Sandra Bell Boone report on Form 3?

Sandra Bell Boone reports beneficial ownership of 297,782 shares of First Carolina Financial Services common stock. This figure includes both unrestricted shares and multiple grants of restricted stock awards that vest over several years following their respective grant dates.

What restricted stock awards are included in Sandra Bell Boone’s FCBM holdings?

Her holdings include 1,000 RSAs granted in 2019, 3,646 RSAs granted in 2024, 4,028 RSAs granted in 2025, and two 2026 RSA grants of 3,314 and 2,686 shares. These awards vest in installments over several years.

How do Sandra Bell Boone’s 2019 restricted stock awards in FCBM vest?

The 1,000 restricted stock awards granted on January 1, 2019 vest in ten substantially equal annual installments. Vesting occurs on each of the first ten anniversaries of the original grant date, creating a long-term, gradually vesting equity position.

What is the vesting schedule for Sandra Bell Boone’s 2024 and 2025 FCBM restricted stock awards?

The 3,646 RSAs granted on January 1, 2024 and the 4,028 RSAs granted on January 1, 2025 each vest in five substantially equal annual installments. Vesting occurs on the first five anniversaries of each respective grant date.

How do the 2026 restricted stock awards for Sandra Bell Boone at FCBM vest?

For 2026, 3,314 RSAs granted on January 1, 2026 vest on the first anniversary of the grant date. An additional 2,686 RSAs granted the same day vest in five substantially equal annual installments over the first five anniversaries.

Does Sandra Bell Boone’s Form 3 show any recent FCBM stock purchases or sales?

The disclosure reflects holdings rather than specific purchases or sales, with transaction direction marked as unknown. It primarily establishes Sandra Bell Boone’s beneficial ownership position, including her restricted stock awards and total common shares reported.

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

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Accepted by SEC EDGAR 06/17/2026 - 07:50 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^*

Boone Sandra Bell

(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	297,782(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) 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) 3,646 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iii) 4,028 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 3,314 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (v) 2,686 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)