First Carolina Financial (FCBM) insider reports 83,000 shares held

Rhea-AI Filing Summary

First Carolina Financial Services, Inc. executive Suiter Overton Stokes III filed an initial ownership report showing 83,000 shares of common stock held directly. This total includes multiple restricted stock awards granted between 2022 and 2026 that vest in staggered annual installments over five to ten years.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Suiter Overton Stokes III

Role Chief Credit Officer of Bank

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

Holdings After Transaction: Common Stock — 83,000 shares (Direct)

Footnotes (1)

1. F1. Includes (i) 8,000 restricted stock awards ("RSAs") granted on January 1, 2022 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (ii) 8,000 RSAs granted on May 1, 2023 that vest in five substantially equal installments beginning on January 1, 2024 and each anniversary thereafter; (iii) 10,000 RSAs granted on January 1, 2024 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (iv) 4,000 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; and (v) 2,000 RSAs granted on April 1, 2026 that vest in five substantially equal installments beginning on January 1, 2027 and each anniversary thereafter.

Key Figures

Common stock held: 83,000 shares 2022 RSA grant: 8,000 shares 2023 RSA grant: 8,000 shares +3 more

6 metrics

Common stock held 83,000 shares Total common stock following reported holdings

2022 RSA grant 8,000 shares Restricted stock awards granted January 1, 2022; vest over five years

2023 RSA grant 8,000 shares Restricted stock awards granted May 1, 2023; vest over five years

2024 RSA grant 10,000 shares Restricted stock awards granted January 1, 2024; vest over ten years

2025 RSA grant 4,000 shares Restricted stock awards granted January 1, 2025; vest over five years

2026 RSA grant 2,000 shares Restricted stock awards granted April 1, 2026; vest over five years

Key Terms

restricted stock awards ("RSAs"), vest, annual installments, grant date

4 terms

restricted stock awards ("RSAs") financial

"Includes (i) 8,000 restricted stock awards ("RSAs") granted on January 1, 2022 that vest..."

vest financial

"RSAs granted on January 1, 2022 that vest in five substantially equal annual installments..."

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..."

grant date financial

"ten substantially equal annual installments on the first ten anniversaries of the grant date..."

The grant date is the day a company formally gives an employee or contractor the right to receive stock-based compensation, such as stock options or restricted shares. It matters to investors because it fixes key terms—like the price, the start of the ownership clock, and when the award will affect the company’s financial statements and share count—so it can influence dilution, reported expenses, and potential future selling pressure.

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

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Available on EDGAR 06/22/2026 - 03:06 PM Accepted by SEC EDGAR 06/17/2026 - 08:20 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^*

Suiter Overton Stokes III

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Credit Officer of Bank

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	83,000(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) 8,000 restricted stock awards ("RSAs") granted on January 1, 2022 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; (ii) 8,000 RSAs granted on May 1, 2023 that vest in five substantially equal installments beginning on January 1, 2024 and each anniversary thereafter; (iii) 10,000 RSAs granted on January 1, 2024 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (iv) 4,000 RSAs granted on January 1, 2025 that vest in five substantially equal annual installments on the first five anniversaries of the grant date; and (v) 2,000 RSAs granted on April 1, 2026 that vest in five substantially equal installments beginning on January 1, 2027 and each anniversary thereafter.

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)