| Cash Flow | 2026-06-30 |
|---|---|
| Net income | 11,007 |
| Depreciation | 1,008 |
| Amortization of internally developed software | 1,855 |
| Net gains on sale of securities | 108 |
| Net amortization (accretion) on securities | -292 |
| Amortization of intangible assets | 1,386 |
| Amortization of subordinated debt issuance costs | 53 |
| Provision (recoveries) for credit losses | -125 |
| Deferred income tax expense | 1,035 |
| Bank-owned life insurance income | 1,190 |
| Stock-based compensation expense | 1,978 |
| Prepaid expenses and other assets | -6,864 |
| Accrued expenses and other liabilities | -3,276 |
| Accrued interest payable | -1,376 |
| Net cash provided by operating activities | 19,403 |
| Proceeds from maturities, prepayments, and calls of afs securities | 29,813 |
| Proceeds from sales of afs securities | 86,190 |
| Purchases of afs securities | 129,228 |
| Proceeds from maturities, prepayments, and calls of htm securities | 0 |
| Loan originations and principal payments on loans, net | 94,379 |
| Change in fhlb stock | -993 |
| Purchase of bank-owned life insurance | 9,031 |
| Net purchases of premises and equipment | 234 |
| Net cash paid in acquisition of bm technologies, inc | 0 |
| Net cash used in investing activities | -115,876 |
| Net increase in deposits | 35,042 |
| Net change in federal reserve advances | 0 |
| Net change in fhlb advances | 25,000 |
| Repurchase of common stock | 40 |
| Offering expense related to 2024 issuance of common stock | 0 |
| Net proceeds from issuance of common stock | 71,176 |
| Net cash provided by financing activities | 81,178 |
| Net increase (decrease) in cash and cash equivalents | -15,295 |
| Cash and cash equivalents, beginning of year | 134,116 |
| Cash and cash equivalents, end of year | 118,821 |
First Carolina Financial Services, Inc. (FCBM)
First Carolina Financial Services, Inc. (FCBM)