Uwharrie Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 21.1% in Q2 2026, from $116.2M to $91.7M. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Uwharrie Bank is 4th from the bottom among 38 North Carolina banks, 63.49% (Q2 2026). Uwharrie Bank reported 63.49% on loan-to-deposit ratio for Q2 2026, 24.71 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $91.7M |
| Cash and noninterest-bearing balances to assets | 7.51% |
| Cash and securities | $474.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.49% |
| Net loans and leases to deposits | 62.95% |
| Loans and leases to core deposits | 71.27% |
| Core deposits to total deposits | 89.09% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 58.66% | 92.90% | $0 | $0 |
| Q4 2023 | 60.42% | 92.10% | $0 | $0 |
| Q1 2024 | 61.59% | 91.37% | $0 | $5.0M |
| Q2 2024 | 62.23% | 87.49% | $0 | $5.0M |
| Q3 2024 | 60.14% | 87.77% | $0 | $0 |
| Q4 2024 | 64.78% | 87.07% | $0 | $0 |
| Q1 2025 | 62.90% | 87.28% | $0 | $0 |
| Q2 2025 | 64.40% | 87.94% | $0 | $0 |
| Q3 2025 | 61.57% | 87.67% | $0 | $0 |
| Q4 2025 | 64.42% | 87.62% | $0 | $0 |
| Q1 2026 | 61.46% | 88.34% | $0 | $0 |
| Q2 2026 | 63.49% | 89.09% | $0 | $0 |
Uwharrie Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Uwharrie Bank, freeSource: Call Report Schedules RC and RC-M, 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)