Branch Network
Uwharrie Bank Locations & Branches Albemarle, North Carolina
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Uwharrie Bank operates 10 branches from its headquarters in Albemarle, NC, .
Uwharrie Bank branch network
All 10 branches are in NORTH CAROLINA, across 8 cities. Albemarle, NC has the most of its branches, 3. Its largest office by deposits is its main office in Albemarle, NC, with $371.4M (33.7% of its branch deposits). It had the same number of branches on June 30, 2025.
Uwharrie Bank at a glance
Its CET1 capital ratio was 13.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.22B
- CET1 ratio, Q2 2026
- 13.79%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1984
Full financial profile · Is Uwharrie Bank safe? · Uwharrie Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Albemarle, NC (3 branches) | 1 of 7 | 46.5% | $471.9M |
| State: NC (10 branches) | 27 of 82 | 0.2% | $1.10B |
Ranked by total assets among banks headquartered in the state: Largest banks in North Carolina.
Share by county and metro area
Uwharrie Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Stanly, NC (6 branches) | 1 of 7 | 44.9% | $698.5M | $1.56B |
| Cabarrus, NC (2 branches) | 5 of 12 | 6.5% | $246.8M | $3.78B |
| Anson, NC (1 branch) | 1 of 2 | 50.7% | $110.3M | $217.6M |
| Mecklenburg, NC (1 branch) | 28 of 35 | <0.1% | $46.9M | $407.22B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Albemarle, NC (6 branches) | 1 of 7 | 44.9% | $698.5M | $1.56B |
| Charlotte-Concord-Gastonia, NC-SC (4 branches) | 19 of 47 | <0.1% | $404.0M | $432.53B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 24919) · FFIEC NIC profile (RSSD 590220)