Latest 10-Q

What changed in First Carolina Financial Services, Inc.'s latest quarterly report, compared with the one before.

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IPO prospectus

First Carolina Financial Services, Inc.’s initial public offering: where it stands and what the registration statement says.

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Insider trades

Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.

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13F holders

Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.

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Trades by members of Congress

Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.

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Lobbying

What First Carolina Financial Services, Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.

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Bank financials at First Carolina Financial Services, Inc.

Q2 2026

Deposits, loans past due, charge-offs and capital of the banks First Carolina Financial Services, Inc. owns, from FDIC call reports

US bank subsidiaries Q2 2026: $3.4B in assets, $2.9B in deposits (17.7% uninsured), commercial real estate 75.5% of loans, common equity Tier 1 ratio 12.9%. 1 bank: FIRST CAROLINA BANK.

Last 8 quarters

Bank financials of First Carolina Financial Services, Inc. by quarter
QuarterAssetsTotal assets of the company's US bank subsidiaries at the end of the quarter.DepositsDomestic and foreign deposits of the banks at the end of the quarter.UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices.CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans.Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately.NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans.Charge-offsThe quarter's net charge-offs times four, over period-end loans.CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first.
Q2 2026$3.4B$2.9B17.71%75.51%0.00%0.81%0.00%12.88%
Q1 2026$3.4B$3.0B16.99%74.55%0.00%0.83%0.00%11.55%
Q4 2025$3.3B$2.8B17.82%75.48%0.00%0.81%0.13%11.21%
Q3 2025$3.5B$3.1B16.00%76.42%0.16%0.83%0.28%10.92%
Q2 2025$3.4B$2.9B17.00%78.11%0.00%0.90%0.00%10.72%
Q1 2025$3.2B$2.7B16.86%78.50%0.00%0.66%0.00%10.65%
Q4 2024$3.0B$2.5B17.50%79.82%0.00%0.67%0.01%13.08%
Q3 2024$3.1B$2.6B16.68%78.94%0.00%0.66%0.00%11.31%

By loan type, Q2 2026

Past-due loans and charge-offs of First Carolina Financial Services, Inc.'s banks by loan type
Loan typeLoansPast dueLoans 30 or more days past due and still accruing, as a percent of that loan type.NonaccrualCharge-offsThe quarter's net charge-offs times four, as a percent of that loan type.
1-4 family mortgages$355M0.00%0.02%0.00%
Commercial real estate$2.1B0.00%1.07%-0.00%
Commercial and industrial$313M0.00%0.00%0.00%
Other consumer$1M0.00%0.00%0.00%

Against Q2 2025: uninsured share +0.71 pp; commercial real estate share of loans -2.60 pp.

All listed banks ranked

Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.

Institutional ownership over time

How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.

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More filings and data

Each opens the table.

About the company

The basics from the company’s SEC registration.

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$13.42+$0.02 (+0.15%) Nov 13 close
Oct 13, 2026: $12.71Oct 14, 2026: $12.56Oct 15, 2026: $12.63Oct 16, 2026: $12.72Oct 19, 2026: $12.50Oct 20, 2026: $12.55Oct 21, 2026: $12.67Oct 22, 2026: $12.91Oct 23, 2026: $12.94Oct 26, 2026: $12.93Oct 27, 2026: $12.97Oct 28, 2026: $13.03Oct 29, 2026: $13.11Oct 30, 2026: $12.88Nov 2, 2026: $13.05Nov 3, 2026: $13.30Nov 4, 2026: $13.50Nov 5, 2026: $13.20Nov 6, 2026: $13.35Nov 9, 2026: $13.49Nov 10, 2026: $13.42Nov 11, 2026: $13.46Nov 12, 2026: $13.40Nov 13, 2026: $13.42
Oct 13, 2026Low $12.50 · High $13.50Nov 13, 2026
Aug 13, 2026: $12.75Aug 14, 2026: $12.73Aug 17, 2026: $12.70Aug 18, 2026: $12.66Aug 19, 2026: $12.58Aug 20, 2026: $12.49Aug 21, 2026: $12.68Aug 24, 2026: $12.67Aug 25, 2026: $12.56Aug 26, 2026: $12.66Aug 27, 2026: $12.69Aug 28, 2026: $12.59Aug 31, 2026: $12.66Sep 1, 2026: $12.55Sep 2, 2026: $12.73Sep 3, 2026: $12.74Sep 4, 2026: $12.78Sep 8, 2026: $12.69Sep 9, 2026: $12.63Sep 10, 2026: $12.77Sep 11, 2026: $12.93Sep 14, 2026: $12.93Sep 15, 2026: $12.97Sep 16, 2026: $12.96Sep 17, 2026: $13.02Sep 18, 2026: $12.69Sep 21, 2026: $12.75Sep 22, 2026: $12.91Sep 23, 2026: $12.73Sep 24, 2026: $12.71Sep 25, 2026: $12.68Sep 28, 2026: $12.64Sep 29, 2026: $12.55Sep 30, 2026: $12.63Oct 1, 2026: $12.56Oct 2, 2026: $12.66Oct 5, 2026: $12.60Oct 6, 2026: $12.76Oct 7, 2026: $12.68Oct 8, 2026: $12.80Oct 9, 2026: $12.74Oct 12, 2026: $12.80Oct 13, 2026: $12.71Oct 14, 2026: $12.56Oct 15, 2026: $12.63Oct 16, 2026: $12.72Oct 19, 2026: $12.50Oct 20, 2026: $12.55Oct 21, 2026: $12.67Oct 22, 2026: $12.91Oct 23, 2026: $12.94Oct 26, 2026: $12.93Oct 27, 2026: $12.97Oct 28, 2026: $13.03Oct 29, 2026: $13.11Oct 30, 2026: $12.88Nov 2, 2026: $13.05Nov 3, 2026: $13.30Nov 4, 2026: $13.50Nov 5, 2026: $13.20Nov 6, 2026: $13.35Nov 9, 2026: $13.49Nov 10, 2026: $13.42Nov 11, 2026: $13.46Nov 12, 2026: $13.40Nov 13, 2026: $13.42
Aug 13, 2026Low $12.49 · High $13.50Nov 13, 2026
Jun 18, 2026: $12.60Jun 22, 2026: $12.58Jun 23, 2026: $12.69Jun 24, 2026: $12.80Jun 25, 2026: $13.00Jun 26, 2026: $12.75Jun 29, 2026: $13.00Jun 30, 2026: $13.24Jul 1, 2026: $12.66Jul 2, 2026: $12.92Jul 6, 2026: $12.65Jul 7, 2026: $12.70Jul 8, 2026: $12.62Jul 9, 2026: $12.80Jul 10, 2026: $12.65Jul 13, 2026: $12.70Jul 14, 2026: $12.70Jul 15, 2026: $12.80Jul 16, 2026: $12.80Jul 17, 2026: $12.85Jul 20, 2026: $12.80Jul 21, 2026: $12.80Jul 22, 2026: $12.76Jul 23, 2026: $12.71Jul 24, 2026: $12.66Jul 27, 2026: $12.47Jul 28, 2026: $12.49Jul 29, 2026: $12.36Jul 30, 2026: $12.48Jul 31, 2026: $12.51Aug 3, 2026: $12.72Aug 4, 2026: $12.69Aug 5, 2026: $12.60Aug 6, 2026: $12.50Aug 7, 2026: $12.49Aug 10, 2026: $12.69Aug 11, 2026: $12.86Aug 12, 2026: $12.79Aug 13, 2026: $12.75Aug 14, 2026: $12.73Aug 17, 2026: $12.70Aug 18, 2026: $12.66Aug 19, 2026: $12.58Aug 20, 2026: $12.49Aug 21, 2026: $12.68Aug 24, 2026: $12.67Aug 25, 2026: $12.56Aug 26, 2026: $12.66Aug 27, 2026: $12.69Aug 28, 2026: $12.59Aug 31, 2026: $12.66Sep 1, 2026: $12.55Sep 2, 2026: $12.73Sep 3, 2026: $12.74Sep 4, 2026: $12.78Sep 8, 2026: $12.69Sep 9, 2026: $12.63Sep 10, 2026: $12.77Sep 11, 2026: $12.93Sep 14, 2026: $12.93Sep 15, 2026: $12.97Sep 16, 2026: $12.96Sep 17, 2026: $13.02Sep 18, 2026: $12.69Sep 21, 2026: $12.75Sep 22, 2026: $12.91Sep 23, 2026: $12.73Sep 24, 2026: $12.71Sep 25, 2026: $12.68Sep 28, 2026: $12.64Sep 29, 2026: $12.55Sep 30, 2026: $12.63Oct 1, 2026: $12.56Oct 2, 2026: $12.66Oct 5, 2026: $12.60Oct 6, 2026: $12.76Oct 7, 2026: $12.68Oct 8, 2026: $12.80Oct 9, 2026: $12.74Oct 12, 2026: $12.80Oct 13, 2026: $12.71Oct 14, 2026: $12.56Oct 15, 2026: $12.63Oct 16, 2026: $12.72Oct 19, 2026: $12.50Oct 20, 2026: $12.55Oct 21, 2026: $12.67Oct 22, 2026: $12.91Oct 23, 2026: $12.94Oct 26, 2026: $12.93Oct 27, 2026: $12.97Oct 28, 2026: $13.03Oct 29, 2026: $13.11Oct 30, 2026: $12.88Nov 2, 2026: $13.05Nov 3, 2026: $13.30Nov 4, 2026: $13.50Nov 5, 2026: $13.20Nov 6, 2026: $13.35Nov 9, 2026: $13.49Nov 10, 2026: $13.42Nov 11, 2026: $13.46Nov 12, 2026: $13.40Nov 13, 2026: $13.42
Jun 18, 2026Low $12.36 · High $13.50Nov 13, 2026
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