Uwharrie Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Total interest expense fell 3.2% in Q2 2026 to $4.4M, the biggest move on this page. Uwharrie Bank ranks 18th of 38 North Carolina banks on net interest margin, in the upper half at 3.54% (Q2 2026). Uwharrie Bank reported 3.54% on net interest margin for Q2 2026, 0.17 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.99% |
| Yield on loans | 6.13% |
| Yield on securities | 3.30% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.29% |
| Cost of interest-bearing deposits | 2.12% |
| Cost of interest-bearing liabilities | 2.12% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.54% |
| Yield to cost spread | 2.87% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.7M |
| Total interest expense | $4.4M |
| Interest expense on deposits | $4.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.60% | 1.07% | 3.36% | 5.57% | 3.27% |
| Q4 2023 | 4.81% | 1.20% | 3.44% | 5.75% | 3.33% |
| Q1 2024 | 4.82% | 1.24% | 3.39% | 5.84% | 3.32% |
| Q2 2024 | 4.94% | 1.33% | 3.41% | 5.95% | 3.36% |
| Q3 2024 | 5.02% | 1.48% | 3.34% | 6.19% | 3.33% |
| Q4 2024 | 5.16% | 1.48% | 3.48% | 6.24% | 3.32% |
| Q1 2025 | 4.96% | 1.38% | 3.40% | 6.12% | 3.19% |
| Q2 2025 | 5.06% | 1.32% | 3.56% | 6.17% | 3.27% |
| Q3 2025 | 5.09% | 1.36% | 3.55% | 6.29% | 3.31% |
| Q4 2025 | 5.10% | 1.37% | 3.57% | 6.27% | 3.33% |
| Q1 2026 | 4.90% | 1.34% | 3.40% | 6.11% | 3.26% |
| Q2 2026 | 4.99% | 1.29% | 3.54% | 6.13% | 3.30% |
Uwharrie Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Uwharrie Bank, freeSource: Call Report Schedules RI and RC-K, 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)