Uwharrie Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 106.94 percentage points lower than in Q1 2026, at 368.82%. Uwharrie Bank ranks 15th of 38 North Carolina banks on return on assets, in the upper half at 1.35% (Q2 2026). Uwharrie Bank reported 1.35% on return on assets for Q2 2026, 0.07 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.79% |
| Tier 1 risk-based capital ratio | 15.09% |
| Total risk-based capital ratio | 15.85% |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 8.75% |
| Tangible equity to tangible assets | 8.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.44% |
| Allowance for credit losses to loans | 0.86% |
| Reserve coverage of non-performing loans | 368.82% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 16.20% |
| Net interest margin | 3.54% |
| Efficiency ratio | 65.05% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.49% |
| Core deposits to total deposits | 89.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.34% |
| Securities to assets | 31.32% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.02% | 13.49% | 14.23% | 9.31% | 0.90% |
| Q4 2023 | 11.91% | 13.36% | 14.15% | 9.15% | 0.93% |
| Q1 2024 | 11.76% | 13.15% | 13.90% | 9.33% | 0.95% |
| Q2 2024 | 11.78% | 13.14% | 13.92% | 9.34% | 0.88% |
| Q3 2024 | 11.76% | 13.10% | 13.85% | 9.11% | 1.11% |
| Q4 2024 | 11.89% | 13.21% | 13.97% | 9.19% | 0.85% |
| Q1 2025 | 12.27% | 13.60% | 14.38% | 9.58% | 0.98% |
| Q2 2025 | 12.40% | 13.70% | 14.49% | 9.67% | 1.05% |
| Q3 2025 | 12.60% | 13.91% | 14.72% | 9.57% | 1.04% |
| Q4 2025 | 13.04% | 14.35% | 15.16% | 9.64% | 1.11% |
| Q1 2026 | 13.31% | 14.61% | 15.42% | 9.76% | 1.11% |
| Q2 2026 | 13.79% | 15.09% | 15.85% | 10.07% | 1.35% |
Uwharrie Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Uwharrie Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)