When FCBM insiders can sell

…e 1, 2026, after giving effect to the 2-for-1 forward stock split of our common stock (representing approximately 27% of our outstanding common stock as of such date), have entered into lock-up agreements under which we and they will generally agree not to sell or otherwise transfer our or their shares for a period of 180 days after the date of this prospectus. These lock-up agreements are subject to certain exceptions. For additional information, see the section entitled "Underwriting—Lock-Up Agreements." As a result of these contractual restrictions, shares of our common stock subject to lock-up agreements will not be eligible for sale until these agreements expire or the restrictions are waived by the underwriters. Following the lock-up period, all of the shares of our common stock that are restricted securities or are held by our affiliates as of the date of this prospectus will be e……

…d, references in this prospectus to the number of shares of our common stock outstanding after this offering are based on 24,614,852 shares of our common stock issued and outstanding as of March 31, 2026 (after giving effect to the 2-for-1 forward split of our common stock). Except as otherwise indicated, the information in this prospectus: reflects a 2-for-1 forward split of our common stock that occurred after the effectiveness of the registration statement of which this prospectus forms a part and prior to the completion of this offering; reflects (i) 133,000 shares of restricted stock (after giving effect to the 2-for-1 forward split of our common stock) granted subsequent to March 31, 2026, to certain employees under the 2025…

To enhance a positive image in the communities that we serve, we support and participate in local events and our officers and directors are active in supporting local civic and charitable organizations. With the rapid rate of consolidation in the banking industry over the last decade (including in our four-state market area), we believe that we are well-positioned as a home-grown, locally managed and owned community bank. Intellectual Property The protection of intellectual property, including trademarks, patents, copyrights, and domain names is critical to our success, particularly those relating to our BankMobile Platform.

…ion in which: we are, were or will be a participant; the amounts involved exceeded or will exceed $120,000; and any of our directors, executive officers or beneficial holders of more than 5% of our capital stock, or any immediate family member of or person sharing the household with any of these individuals (other than tenants or employees), had or will have a direct or indirect material interest. Ordinary Banking Relationships Certain of our officers, directors and principal shareholders, as well as their immediate family members and affiliates, are customers of, or have or have had transactions with, the Bank, us or our affiliates in the ordinary course of business.

See section entitled "Underwriting—Directed Share Program." We have granted the underwriters an option for a period of 30 days from the date of this prospectus to purchase up to an additional 825,000 shares of our common stock at the initial public offering price, less underwriting discounts and commissions. These securities are not deposits, savings accounts or other obligations of any bank or savings association and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency and are subject to investment risks, including the possible loss of the entire amount you invest.

In addition, shares of our common stock that are reacquired on the open market or use cash proceeds from the exercise of stock options will not be available for future awards under the 2025 Plan. In the event our common stock is changed by a corporate merger, consolidation, acquisition of property or stock, separation (including a spin-off or other distribution of stock or property, including an extraordinary dividend), reorganization, liquidation (whether partial or complete), or a stock split, reverse stock split, stock d…