UWHARRIE BANK

ALBEMARLE, NC | Large | Est. Jan. 26, 1984, midnight | FDIC #24919 | RSSD #590220 | FED
Latest Report: 2025-12-31

UWHARRIE BANK is aln large FDIC-insured commercial bank headquartered in ALBEMARLE, NC, established in Jan. 26, 1984, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.1B. Profitability stands at 1.13% ROA and 14.01% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 13.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.36%. FDIC Certificate #24919.

Assets

$1.2B

Deposits

$1.1B

Loans

$699M

Equity

$100M

Profitability

Return on Assets (ROA) 1.13%
Return on Equity (ROE) 14.01%
Net Interest Margin (NIM) 3.79%
Yield on Assets 5.42%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.36%
NPA Ratio 0.03%
ACL / Loans 0.92%

Capital & Liquidity

CET1 Ratio 13.04%
Tier 1 Capital 14.35%
Total Capital Ratio 15.16%
Leverage Ratio 9.64%
Loan-to-Deposit 64.42%

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