Uwharrie Bank
BankRegReports is independent of Uwharrie Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Uwharrie Bank is an FDIC-insured commercial bank headquartered in Albemarle, NC, established in 1984 (FDIC certificate 24919), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.22B, up 4.5% from Q2 2025, the 14th largest of 38 banks headquartered in North Carolina. Its CET1 capital ratio was 13.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 24919
- Headquarters
- Albemarle, NC
- Established
- 1984
- Total assets, Q2 2026
- $1.22B
- Assets vs Q2 2025
- +4.5%
- CET1 ratio, Q2 2026
- 13.79%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 053111690
- Holding company
- UWHARRIE CAPITAL CORP
- Asset rank in state
- 14th of 38 in North Carolina
Uwharrie Bank, based in Albemarle, North Carolina, reported $1.2 billion in assets at June 30, 2026, up 4.5% from a year earlier. It carries problem assets equal to 0.7% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also pays an average of 1.29% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.01%).
Earnings jumped: net income for the quarter was $4.2 million, 35% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 19% of Tier 1 capital, down from 27% a year earlier.
As of June 30, 2026, Uwharrie Bank reported a CET1 capital ratio of 13.79%, a return on assets of 1.35%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 0.68%. The figures come from its call report filed with the FFIEC.
Uwharrie Bank ranks as the 14th largest of the 38 banks based in North Carolina, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.2% to $1.22B, loans rose 0.4% and deposits fell 2.8%. 1-4 family residential loans made up 33.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.6%. The FDIC Summary of Deposits lists 10 offices for it, in 8 cities in NC; its Albemarle 3 offices book 43% of its branch deposits. On its Q2 2026 call report, Uwharrie Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 167 N 2nd St, Albemarle, NC 28001
- County
- Stanly
- Metro Area
- Albemarle, NC
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 26, 1984
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 178
- Domestic deposits
- $1.10B
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- -$53K
- Average total assets
- $1.25B
- Average total loans
- $699.2M
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 26, 1984
- FDIC Cert
- 24919
- Fed RSSD
- 590220
- SEC CIK
- 898171 → filed by UWHARRIE CAPITAL CORP
- Website
- http://www.uwharrie.com →
- Parent Holding Company
- UWHARRIE CAPITAL CORP (RSSD 2082532) · UWHR
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Roger L Dick | CEO | President/CEO of UCC |
| Heather H Almond | CFO | Chief Financial Officer |
| Jason R Andrew | COO | Chief Operations Officer |
| Beaver R David Iii | CRO | Chief Risk Officer |
| Cheryl P Rinehardt | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Uwharrie Bank's total assets moved between a low of $1.07B (Q3 2023) and a high of $1.25B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.22B total assets against $1.17B; $1.11B total liabilities against $1.08B.
$694.1M net loans and leases against $680.5M; $1.10B total deposits against $1.07B.
$382.3M securities against $364.7M; $91.7M cash and balances due against $73.3M.
$14.9M total interest income against $14.4M; $4.4M total interest expense against $4.3M.
$10.6M net interest income against $10.1M.
$3.9M total noninterest income against $2.9M; $9.5M total noninterest expense against $8.8M.
-$424K provision for credit losses against $254K.
$4.2M net income against $3.1M.
1.35% return on assets against 1.05%; 3.54% net interest margin against 3.56%.
13.79% CET1 capital ratio against 12.40%; 10.07% tier 1 leverage ratio against 9.67%.
Inside the full Uwharrie Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeUwharrie Bank rankings
Its closest position to the top of a national ranking is 871 of 4,196, for total assets; its furthest is 2,866 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q4 2024) to 1.35% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 3.57% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.79% | 1.35% | 0.11% | 0.68% | 3.54% |
| Q1 2026 | 13.31% | 1.11% | 0.06% | 0.39% | 3.40% |
| Q4 2025 | 13.04% | 1.11% | 0.05% | 0.36% | 3.57% |
| Q3 2025 | 12.60% | 1.04% | 0.06% | 0.40% | 3.55% |
| Q2 2025 | 12.40% | 1.05% | 0.05% | 0.32% | 3.56% |
| Q1 2025 | 12.27% | 0.98% | 0.04% | 0.41% | 3.40% |
| Q4 2024 | 11.89% | 0.85% | 0.03% | 0.22% | 3.48% |
| Q3 2024 | 11.76% | 1.11% | 0.09% | 0.77% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Uwharrie Bank (main office) | Albemarle , NC | 28001 | $371.4M |
| Concord Branch | Concord , NC | 28025 | $200.5M |
| Wadesboro Branch | Wadesboro , NC | 28170 | $110.3M |
| West Stanly Branch | Locust , NC | 28097 | $89.3M |
| Norwood Branch | Norwood , NC | 28128 | $77.5M |
| East Albemarle Branch | Albemarle , NC | 28001 | $69.2M |
| Oakboro Branch | Oakboro , NC | 28129 | $59.8M |
| Rea Road at Stonecrest Branch | Charlotte , NC | 28277 | $46.9M |
| Mount Pleasant Branch | Mount Pleasant , NC | 28124 | $46.3M |
| Village Branch | Albemarle , NC | 28001 | $31.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 1, 2013 | Structure Change | Acquired Anson Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 11, 2003 | Structure Change | Split | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NC, rank 27 of 82 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 846 applications, 684 loans originated, $206.8M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $612K approved, $204K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Uwharrie Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Uwharrie Bank
What are Uwharrie Bank's total assets?
As of the Q2 2026 filing, Uwharrie Bank reported total assets of $1.22 billion in its FFIEC call report.
Where is Uwharrie Bank headquartered?
It is headquartered in Albemarle, NC, United States.
When was Uwharrie Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Uwharrie Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Uwharrie Bank?
Uwharrie Bank's primary federal regulator is the Federal Reserve.
What is Uwharrie Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.79% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Uwharrie Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Uwharrie Bank's Texas Ratio?
Its Texas Ratio is 0.68% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Uwharrie Bank.
Get an email when Uwharrie Bank files its next call report, and benchmark it against any peer you choose.
Unlock Uwharrie Bank, freeFree account