Uwharrie Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income rose 6.2% from Q1 2026 to Q2 2026, ending at -$17.1M against -$18.3M. It was the largest change among the key lines on this page. Within North Carolina, Uwharrie Bank is 16th of 26 on CET1 ratio, 13.79% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio; Uwharrie Bank reported 13.79% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.79% |
| Tier 1 risk-based capital ratio | 15.09% |
| Total risk-based capital ratio | 15.85% |
| Tier 1 leverage ratio | 10.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $113.3M |
| Tier 1 capital | $123.9M |
| Total risk-based capital | $130.1M |
| Total equity capital | $106.8M |
| Risk-weighted assets | $821.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.75% |
| Tangible equity to tangible assets | 8.75% |
| Equity capital to average assets | 8.52% |
| Internal capital growth rate | 16.06% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.5M |
| Common stock surplus | $18.9M |
| Retained earnings | $92.0M |
| Preferred stock and surplus | $10.7M |
| Accumulated other comprehensive income | -$17.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.02% | 13.49% | 14.23% | 9.31% | $724.3M |
| Q4 2023 | 11.91% | 13.36% | 14.15% | 9.15% | $734.8M |
| Q1 2024 | 11.76% | 13.15% | 13.90% | 9.33% | $765.7M |
| Q2 2024 | 11.78% | 13.14% | 13.92% | 9.34% | $784.4M |
| Q3 2024 | 11.76% | 13.10% | 13.85% | 9.11% | $795.2M |
| Q4 2024 | 11.89% | 13.21% | 13.97% | 9.19% | $806.3M |
| Q1 2025 | 12.27% | 13.60% | 14.38% | 9.58% | $803.6M |
| Q2 2025 | 12.40% | 13.70% | 14.49% | 9.67% | $819.5M |
| Q3 2025 | 12.60% | 13.91% | 14.72% | 9.57% | $814.0M |
| Q4 2025 | 13.04% | 14.35% | 15.16% | 9.64% | $812.1M |
| Q1 2026 | 13.31% | 14.61% | 15.42% | 9.76% | $820.2M |
| Q2 2026 | 13.79% | 15.09% | 15.85% | 10.07% | $821.1M |
Uwharrie Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Uwharrie Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Uwharrie Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24919) · FFIEC NIC profile (RSSD 590220)