Director Vincent Andracchio (NASDAQ: FCBM) details stock and RSA holdings

Rhea-AI Filing Summary

First Carolina Financial Services, Inc. director Vincent Charles Andracchio II filed an initial ownership report showing only holdings, not new trades. He reports 92,426 shares of common stock held directly, plus additional indirect interests through entities and family trusts, including Guardian Holdings, his living trust, several Dunn family trusts, and his spouse. The direct position includes multiple restricted stock awards granted between 2017 and 2026 with vesting schedules extending through 2027.

Insider Trade Summary

9 transactions reported

Mixed 9 txns

Insider Andracchio Vincent Charles II

Role null

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

Holdings After Transaction: Common Stock — 92,426 shares (Direct, null); Common Stock — 1,400 shares (Indirect, By spouse)

Footnotes (1)

1. [object Object]

Key Figures

Direct common stock holding: 92,426 shares Guardian Holdings indirect stake: 75,228 shares Living Trust indirect stake: 25,284 shares +5 more

8 metrics

Direct common stock holding 92,426 shares Common Stock held directly following report

Guardian Holdings indirect stake 75,228 shares Common Stock held indirectly by Guardian Holdings, Inc.

Living Trust indirect stake 25,284 shares Common Stock held indirectly by Vincent C. Andracchio Living Trust

Marital Trust B stake 77,624 shares Common Stock held indirectly by L.A. Dunn, Jr. Marital Trust B

Family Trust A stake 80,942 shares Common Stock held indirectly by L.A. Dunn, Jr. Family Trust A

2017 RSA grant 13,000 RSAs Granted July 1, 2017, vesting in ten annual installments to Jan 1, 2027

2026 one-year RSA grant 5,486 RSAs Granted Jan 1, 2026, vesting on first anniversary

2026 five-year RSA grant 4,514 RSAs Granted Jan 1, 2026, vesting in five annual installments

Key Terms

restricted stock awards ("RSAs"), indirect, Irrevocable Life Insurance Trust, Marital Trust B, +1 more

5 terms

restricted stock awards ("RSAs") financial

"Includes (i) 13,000 restricted stock awards ("RSAs") granted on July 1, 2017 that vest..."

indirect financial

""ownership_type": "indirect", "ownership_code": "I""

Irrevocable Life Insurance Trust financial

"By Leon Algernon Dunn, Jr. Irrevocable Life Insurance Trust"

Marital Trust B financial

"By L.A. Dunn, Jr. Marital Trust B"

restricted stock awards financial

"5,486 RSAs granted on January 1, 2026 that vest on the first anniversary"

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.

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Understanding Insider Trading Forms →

Available on EDGAR 06/22/2026 - 03:06 PM Accepted by SEC EDGAR 06/17/2026 - 07:48 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
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Andracchio Vincent Charles II

(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	92,426(1)	D
Common Stock	1,400	I	By spouse
Common Stock	77,624	I	By L.A. Dunn, Jr. Marital Trust B
Common Stock	5,000	I	By Sylvia B. Andracchio Family Trust
Common Stock	80,942	I	By L.A. Dunn, Jr. Family Trust A
Common Stock	200,568	I	By Leon Algernon Dunn, Jr. Irrevocable Life Insurance Trust
Common Stock	15,716	I	By Leon Algernon Dunn, Jr. Irrevocable Life Insurance Trust
Common Stock	25,284	I	By Vincent C. Andracchio Living Trust
Common Stock	75,228	I	By Guardian Holdings, Inc.

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) 13,000 restricted stock awards ("RSAs") granted on July 1, 2017 that vest in ten substantially equal annual installments with the last vesting date occurring on January 1, 2027; (ii) 1,000 RSAs granted on January 1, 2019 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (iii) 5,548 RSAs granted on January 1, 2024 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (iv) 5,314 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (v) 5,486 RSAs granted on January 1, 2026 that vest on the first anniversary of the grant date; and (vi) 4,514 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 Vincent C. Andracchio II report in his Form 3 for FCBM?

He reports existing holdings of First Carolina Financial Services common stock, not new trades. This includes 92,426 shares held directly and additional indirect interests through Guardian Holdings, a living trust, multiple family trusts, and shares held by his spouse.

How many FCBM shares does Andracchio hold directly according to the Form 3?

He reports owning 92,426 shares of First Carolina Financial Services common stock directly. This direct position forms part of a broader ownership structure that also includes several indirect holdings through entities and family trusts associated with him.

What indirect FCBM holdings are disclosed for Andracchio in this filing?

The filing lists indirect holdings in First Carolina Financial Services common stock through Guardian Holdings, Inc., the Vincent C. Andracchio Living Trust, multiple Dunn family trusts, the Sylvia B. Andracchio Family Trust, and shares held by his spouse, all categorized as indirect ownership.

Are there any restricted stock awards (RSAs) included in Andracchio’s FCBM holdings?

Yes. The footnote states his holdings include several RSA grants, such as 13,000 RSAs from July 1, 2017 and additional awards from 2019, 2024, and 2025–2026 that vest in scheduled annual installments over multiple future years.

Does this FCBM Form 3 show any insider buying or selling activity?

No. The report is an initial statement of beneficial ownership and shows only holdings. Transaction codes are not buy or sell entries, and the transaction summary indicates no net buying or selling of First Carolina Financial Services shares.

How long do Andracchio’s FCBM restricted stock awards continue vesting?

The RSAs have staggered vesting schedules, with some 2017 awards vesting in ten annual installments through January 1, 2027, and later grants from 2019 and 2024–2026 vesting over five- or ten-year periods from their respective grant dates.