BanksUWHARRIE BANK

UWHARRIE BANK

ALBEMARLE, NCLargeEst. Jan. 26, 1984, midnightFDIC #24919RSSD #590220FED
Latest · 2025-12-31

UWHARRIE BANK is an 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%. CET1 capital ratio: 13.04%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 0.36%. Operates 10 domestic branches.

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 Margin3.79%
Yield on Assets5.42%
Cost of Funds1.65%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio0.02%
Texas Ratio0.36%
NPA Ratio0.03%
ACL / Loans0.92%

Capital & Liquidity

CET1 Ratio13.04%
Tier 1 Capital14.35%
Total Capital Ratio15.16%
Leverage Ratio9.64%
Loan-to-Deposit64.42%

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