Bank call report · Albemarle, NC
Uwharrie Bank Call Report
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Uwharrie Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 462 reported line items, schedule by schedule (913 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 590220 |
| FDIC certificate number | 24919 |
| Total assets | $1.22B |
Official Q2 2026 call report PDF (FFIEC) →
Uwharrie Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Uwharrie Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $1.22B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $1.22B |
| Total Liabilities and Minority Interest | RCON2948 | $1.11B |
| Total Deposits | RCON2200 | $1.10B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $807.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $692.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $686.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $359.8M |
| Deposits: Noninterest-bearing | RCON6631 | $295.5M |
| Total Equity Capital | RCON3210 | $106.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $106.8M |
| Undivided Profits and Capital Reserves | RCON3632 | $92.0M |
| Interest-bearing Balances | RCON0071 | $81.1M |
| Other Assets | RCON2160 | $32.3M |
| Held-to-maturity Securities, Total | RCON1754 | $21.9M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $21.9M |
| Surplus | RCON3839 | $18.9M |
| Accumulated Other Comprehensive Income | RCONB530 | -$17.1M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $16.5M |
| Other Liabilities, Total | RCON2930 | $11.1M |
| Perpetual Preferred Stock and Related Surplus | RCON3838 | $10.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $10.6M |
| Loans and Leases Held for Sale | RCON5369 | $7.8M |
| Allowance for Loan and Lease Losses | RCON3123 | $6.0M |
| Intangible Assets | RCON2143 | $3.6M |
| Common Stock | RCON3230 | $2.5M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $579K |
Schedule RI: Income Statement (51 items)
About Schedule RI · Uwharrie Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $29.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $21.3M |
| Net Interest Income | RIAD4074 | $20.7M |
| Total Noninterest Expense | RIAD4093 | $18.0M |
| Salaries and Employee Benefits | RIAD4135 | $10.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $9.8M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $9.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $9.8M |
| Total Interest Expense | RIAD4073 | $8.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $7.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $7.7M |
| Net Income (Loss) | RIAD4340 | $7.7M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $7.7M |
| Total Noninterest Income | RIAD4079 | $6.4M |
| Other Noninterest Expense | RIAD4092 | $6.0M |
| Other Noninterest Income | RIADB497 | $3.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $2.9M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $2.9M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.8M |
| Interest on Other Securities | RIAD4060 | $2.4M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.2M |
| Applicable Income Taxes | RIAD4302 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.6M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $1.4M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $1.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $1.1M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $910K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $636K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $565K |
| Provision for Loan and Lease Losses | RIAD4230 | -$487K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$486K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $371K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $322K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $290K |
| Net Servicing Fees | RIADB492 | $270K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $255K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $224K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $201K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | $186K |
| Fees and Commissions from Annuity Sales | RIADC887 | $159K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $139K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $100K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $90K |
| Income from Other Insurance and Reinsurance Activities | RIADC387 | $60K |
| Other Interest Income | RIAD4518 | $55K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $22K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$3K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 178 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $91.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $76.9M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $8.4M |
| Currency and Coin | RCON0080 | $3.3M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $3.1M |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · Uwharrie Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $15.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $15.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $41.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $38.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $84.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $81.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Amortized Cost | RCONG322 | $2.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): All Other Residential MBS - Available-for-sale Fair Value | RCONG323 | $2.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $382.0M |
| Pledged Securities | RCON0416 | $162.8M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $110.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $98.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $78.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $72.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $69.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $49.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $35.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $33.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $33.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $31.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $27.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $27.4M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $25.6M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $23.8M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $20.4M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $19.5M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $19.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $15.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $12.9M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $12.9M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $12.2M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $12.2M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $11.6M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $10.6M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $10.3M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $9.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $9.6M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $8.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $6.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $4.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $2.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $2.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $1K |
Schedule RC-C, Part I: Loans and Leases (38 items)
About Schedule RC-C, Part I · Uwharrie Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $700.1M |
| Pledged Loans and Leases | RCONG378 | $360.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $314.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $152.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $130.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $113.6M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $107.6M |
| Commercial and Industrial Loans | RCON1766 | $90.0M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $90.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $76.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $64.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $61.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $58.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $57.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $52.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $47.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $35.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $35.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $28.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $25.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $25.4M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $20.4M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $15.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $10.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $8.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $5.2M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $5.1M |
| Other Loans | RCONJ464 | $5.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $4.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $2.5M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $852K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $852K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $565K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $111K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $52K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $53.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $20.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $9.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $9.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $6.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $670K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $224K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $52K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 307 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 134 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 109 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 80 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 77 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 48 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 8 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 7 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Uwharrie Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $841.7M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $793.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $343.4M |
| Total Transaction Accounts | RCON2215 | $260.8M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $233.4M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $222.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $161.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $151.1M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $136.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $120.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $118.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $107.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $99.7M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $99.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $91.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $81.3M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $77.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $70.5M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $69.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $67.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $63.7M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $60.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $48.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $48.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $23.7M |
| Total reciprocal deposits | RCONJH83 | $10.5M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $4.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $2.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.4M |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $11.4M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.1M |
| Net Deferred Tax Assets | RCON2148 | $6.7M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $5.5M |
| Accrued Interest Receivable | RCONB556 | $4.4M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.8M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $933K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $8.3M |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $5.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $2.3M |
| Operating lease liabilities | RCONLB56 | $547K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $417K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $162K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Uwharrie Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $1.25B |
| Quarterly Average of Total Loans | RCON3360 | $699.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $570.4M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $333.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $225.2M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $201.0M |
| Mortgage-backed Securities | RCONB559 | $184.0M |
| All Other Securities | RCONB560 | $170.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $157.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $126.8M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $93.0M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $88.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $54.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $7.5M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $2.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $55K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (15 items)
About Schedule RC-L · Uwharrie Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $124.0M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $80.9M |
| Interest Rate Forward Contracts | RCON8697 | $67.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $37.5M |
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $31.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $27.1M |
| Unused Commitments - Credit Card Lines | RCON3815 | $26.9M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $19.0M |
| Credit Card Lines: Unused Consumer Credit Card Lines | RCONJ455 | $17.2M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $13.8M |
| Credit Card Lines: Other Unused Credit Card Lines | RCONJ456 | $9.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $8.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.2M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $835K |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $85K |
Schedule RC-M: Memoranda (4 items)
About Schedule RC-M · Uwharrie Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $7.3M |
| Mortgage Servicing Assets | RCON3164 | $3.6M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.6M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (16 items)
About Schedule RC-N · Uwharrie Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.4M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $771K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $489K |
| Additions to Nonaccrual Assets | RCONC410 | $449K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $259K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Past Due 30 Through 89 Days and Still Accruing. | RCONF661 | $189K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $189K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $119K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $57K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $23K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $16K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $16K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $15K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $6K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Uwharrie Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $1.25B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.10B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $538.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $538.7M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $442.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $122.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $21.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 30,318 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 836 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 682 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 13 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $59.5M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $56.0M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $7.8M |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $1.1M |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (19 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $361.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $360.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $336.1M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $336.0M |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $24.4M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $24.4M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $883K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG546 | $883K |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $775K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 3 Fair Value Measurements | RCONG550 | $775K |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $775K |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $108K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 2 Fair Value Measurements | RCONG549 | $108K |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $26K |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $26K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Level 2 Fair Value Measurements | RCONG574 | $26K |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Liabilities Measured at Fair Value on a Recurring Basis (Rc-q 13.) - Total Fair Value Reported on Balance Sheet | RCONG571 | $26K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $26K |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $26K |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Uwharrie Bank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $821.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (25 items)
About Schedule RC-R, Part I · Uwharrie Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $1.25B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $1.23B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $821.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $130.1M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $123.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $113.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $113.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $96.1M |
| Retained Earnings | RCOAKW00 | $92.0M |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $23.1M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $21.3M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$17.1M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$17.1M |
| Additional Tier 1 Capital | RCOAP865 | $10.7M |
| Additional Tier 1 Capital Before Deductions | RCOAP863 | $10.7M |
| Additional Tier 1 Capital Instruments Plus Related Surplus | RCOAP860 | $10.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $6.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $6.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $6.2M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1585 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1509 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1379 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1007 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0785 |
Schedule RC-R, Part II: Risk-Weighted Assets (68 items)
About Schedule RC-R, Part II · Uwharrie Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $821.1M |
| Total Risk-weighted Assets | RCONG641 | $821.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $588.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $588.5M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $499.9M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $456.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $414.5M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $360.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $326.0M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $297.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $256.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $256.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $243.2M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $232.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $205.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $205.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $183.8M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $183.8M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $163.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $102.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $91.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $84.5M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $75.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $74.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $67.1M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $59.4M |
| Total All Other Assets | RCOND981 | $52.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $51.3M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $43.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $33.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $28.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$28.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $27.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $22.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$22.3M |
| Total Held-to-maturity Securities | RCOND961 | $21.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $18.6M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $10.3M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $9.1M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $8.0M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $8.0M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $8.0M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $7.8M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $7.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $7.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $6.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $6.6M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $6.5M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $5.3M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $5.2M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $4.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.0M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $4.0M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $3.6M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $3.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $3.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $3.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $3.5M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $3.5M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $3.5M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $959K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $866K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $316K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $183K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$44K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $23K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $23K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $729.8M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $106.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $99.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $99.9M |
| Other Comprehensive Income | RIADB511 | -$576K |
| Cash Dividends Declared on Preferred Stock | RIAD4470 | $280K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · Uwharrie Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $149K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $100K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $96K |
| Charge-offs on Automobile Loans | RIADK129 | $41K |
| Recoveries on Loans to Credit Cards | RIADB515 | $31K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $29K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $20K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $7K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $6K |
| Charge-offs on Loans to Credit Cards | RIADB514 | $5K |
| Recoveries on Automobile Loans | RIADK133 | $4K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $1K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Uwharrie Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.4M |
| Allowance for Loan and Lease Losses | RIAD3123 | $6.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $96K |
| Balance most recently reported for end of previous calendar year, Report of Condition and Income Held-to-maturity debt securities (i.e., after adjustments from amended Reports of Income) | RIADJH88 | $45K |
| Balance end of current period, Held-to-maturity debt securities | RIADJH93 | $44K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $2K |
| Provisions for credit losses, Held-to-maturity debt securities | RIADJH90 | -$1K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $692.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $258.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $229.7M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $110.6M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $84.6M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $6.7M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $6.0M |
| Loans and Leases, Held for Investment, Credit cards, Amortized Cost | RCONJJ08 | $2.5M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $2.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $1.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $548K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $61K |
| Loans and Leases, Held for Investment, Credit cards, Allowance Balance | RCONJJ16 | $55K |
| Held to Maturity Securities, Other debt securities | RCONJJ24 | $44K |
| Held to Maturity Securities, Total | RCONJJ25 | $44K |
Schedule RI-E: Explanations (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Bank Card and Credit Card Interchange Fees | RIADF555 | $1.6M |
| Marketing and Other Professional Services | RIAD0497 | $1.0M |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $827K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $659K |
| Data Processing Expenses | RIADC017 | $463K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $170K |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $164K |
Uwharrie Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Uwharrie Bank call report?
The Uwharrie Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Uwharrie Bank file?
Uwharrie Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Uwharrie Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Uwharrie Bank has Federal Reserve RSSD ID 590220 and FDIC certificate number 24919. Either one finds its filings on the FFIEC Central Data Repository.
How often does Uwharrie Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Uwharrie Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 24919) · FFIEC NIC profile (RSSD 590220)