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
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1. Name and Address of Reporting Person *
Day Ronald Arvin

(Last) (First) (Middle)
C/O FIRST CAROLINA FINANCIAL SERVICES
2626 GLENWOOD AVENUE SUITE 200

(Street)
RALEIGH NC 27608

(City) (State) (Zip)
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 ]
4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
X Director 10% Owner
X Officer (give title below) Other (specify below)
Chairman, President and CEO
5. If Amendment, Date of Original Filed (Month/Day/Year)
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 379,600 (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) 30,000 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) 40,000 RSAs granted on May 1, 2023 that vest in ten substantially equal installments beginning on January 1, 2024 and each anniversary thereafter; (iii) 44,000 RSAs granted on January 1, 2024 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; (iv) 40,000 RSAs granted on January 1, 2025 that vest in ten substantially equal annual installments on the first ten anniversaries of the grant date; and (v) 12,000 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 4 (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.
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ATTACHMENTS / EXHIBITS

ATTACHMENTS / EXHIBITS

EX-24.1