Uwharrie Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 30.9% lower than in Q1 2026, at $7.8M. On loan-to-deposit ratio, Uwharrie Bank is 4th from the bottom among 38 North Carolina banks, 63.49% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Uwharrie Bank sits 24.71 points lower, at 63.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $700.1M |
| Net loans and leases | $694.1M |
| Loans held for sale | $7.8M |
| Loans to total assets | 57.36% |
| Loan-to-deposit ratio | 63.49% |
| Net loans to equity capital | 6.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.82% |
| Multifamily (5+ residential) | 1.35% |
| Commercial and industrial | 12.86% |
| Consumer | 1.32% |
| Credit cards | 0.36% |
| Farm | 0.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.52% |
| Construction concentration (Tier 1 capital + allowance) | 65.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $10.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $583.4M | $994.6M | 35.35% | 13.06% | 1.97% |
| Q4 2023 | $596.8M | $987.6M | 34.81% | 13.51% | 1.94% |
| Q1 2024 | $619.1M | $1.01B | 35.46% | 13.64% | 1.88% |
| Q2 2024 | $640.3M | $1.03B | 35.76% | 12.80% | 1.76% |
| Q3 2024 | $651.9M | $1.08B | 35.37% | 12.92% | 1.78% |
| Q4 2024 | $670.9M | $1.04B | 35.59% | 12.59% | 1.64% |
| Q1 2025 | $669.4M | $1.06B | 36.12% | 13.37% | 1.59% |
| Q2 2025 | $686.7M | $1.07B | 36.83% | 12.58% | 1.45% |
| Q3 2025 | $682.5M | $1.11B | 36.33% | 12.85% | 1.42% |
| Q4 2025 | $698.6M | $1.08B | 35.52% | 12.76% | 1.38% |
| Q1 2026 | $697.3M | $1.13B | 35.22% | 12.84% | 1.29% |
| Q2 2026 | $700.1M | $1.10B | 34.82% | 12.86% | 1.32% |
Uwharrie Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Uwharrie Bank, freeSource: Call Report Schedule RC-C, 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)