Uwharrie Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Uwharrie Bank of Albemarle, NC against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.35% | 1.46% | -0.11% | 56th above |
| ROAE | 16.20% | 12.71% | +3.49% | 78th top |
| Net Interest Margin | 3.54% | 3.85% | -0.31% | 37th below |
| Efficiency Ratio | 65.05% | 57.40% | +7.65% | 31st below |
| PPNR / Avg Assets | 1.57% | 1.88% | -0.31% | 41st below |
| Yield on Earning Assets | 4.99% | 5.72% | -0.73% | 19th bottom |
| Cost of Funds | 1.29% | 2.02% | -0.73% | 87th top |
| Net Interest Spread | 2.87% | 3.18% | -0.31% | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.23% | 1.00% | -0.77% | 79th top |
| NPA / Total Assets | 0.13% | 0.76% | -0.63% | 82nd top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 68th above |
| ACL / Total Loans | 0.86% | 1.31% | -0.45% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 368.82% | 543.44% | -174.62% | 75th top |
| Texas Ratio | 1.44% | 7.39% | -5.95% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.79% | 17.34% | -3.55% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.09% | 17.37% | -2.28% | 70th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.85% | 18.42% | -2.57% | 68th above |
| Leverage Ratio | 10.07% | 11.44% | -1.37% | 39th below |
| Equity / Assets | 8.75% | 11.34% | -2.59% | 17th bottom |
| TCE / Tangible Assets | 7.88% | 10.50% | -2.62% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.49% | 86.96% | -23.47% | 92nd top |
| Core Deposit Ratio | 89.09% | 85.55% | +3.54% | 54th above |
| Uninsured Deposit Ratio | 40.09% | 33.12% | +6.97% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.48% | 9.68% | -5.20% | 45th below |
| Loan Growth (Y/Y) | 1.94% | 8.06% | -6.12% | 28th below |
| Deposit Growth (Y/Y) | 3.40% | 7.87% | -4.47% | 40th below |
See Uwharrie Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Uwharrie Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Uwharrie Bank profile, how to read a UBPR, or how this data updates.