TellerScore

Uwharrie Bank is a state-chartered bank (fed member) headquartered in Albemarle, North Carolina, in business for about 42 years. At the end of Q2 2026 it reported $1.2B in total assets and $1.1B in deposits, with 10 offices.

Uwharrie Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 897 banks with $1 billion – $10 billion. Among 38 banks headquartered in North Carolina, it ranks 17th. Problem-loan coverage contributes the most (99/100, 0.7%); capital cushion contributes the least (51/100, 10.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.07%
Loan quality96/100
Noncurrent loans ÷ total loans: 0.11%
Earnings70/100
Return on assets (annualized): 1.26%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 63.0% · 40.1% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.68%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (71 → 74), mostly because the earnings component improved by 9 points.

TellerScore
687174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202470
Q1 202571
Q2 202571
Q3 202571
Q4 202571
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%7.54%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.34%
Q3 20249.11%
Q4 20249.19%
Q1 20259.58%
Q2 20259.67%
Q3 20259.57%
Q4 20259.64%
Q1 20269.76%
Q2 202610.07%
Noncurrent loans
0.03%0.14%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.25%
Q3 20240.09%
Q4 20240.03%
Q1 20250.04%
Q2 20250.05%
Q3 20250.06%
Q4 20250.05%
Q1 20260.06%
Q2 20260.11%
Return on assets
0.94%1.10%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20241.01%
Q4 20240.98%
Q1 20251.00%
Q2 20251.04%
Q3 20251.04%
Q4 20251.07%
Q1 20261.14%
Q2 20261.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$1.2B10.07%0.11%1.26%63.0%
Q1 202672$1.2B9.76%0.06%1.14%60.9%
Q4 202571$1.2B9.64%0.05%1.07%63.8%
Q3 202571$1.2B9.57%0.06%1.04%61.0%
Q2 202571$1.2B9.67%0.05%1.04%63.8%
Q1 202571$1.2B9.58%0.04%1.00%62.3%
Q4 202470$1.1B9.19%0.03%0.98%64.2%
Q3 202469$1.2B9.11%0.09%1.01%59.6%
Q2 202468$1.1B9.34%0.25%0.94%61.7%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.07%
39th
Total risk-based capital15.85%
75th
Problem loans0.11%
86th
Net charge-offs-0.02%
96th
Return on assets1.26%
50th
Net interest margin3.57%
42nd
Efficiency ratio66.4%
29th
Loans to deposits63.0%
91st
Uninsured deposits40.1%
26th
Loan-loss reserves0.86%
18th
Texas ratio0.7%
88th

Similar-size banks in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Piedmont Federal Savings BankBank Winston Salem, NC78 out of 100, Strong$1.3B18.6%0.16%vs
North State BankBank Raleigh, NC61 out of 100, Moderate$1.5B8.5%0.17%vs
Providence BankBank Rocky Mount, NC82 out of 100, Strong$1.5B12.2%0.12%vs
Peoples BankBank Newton, NC75 out of 100, Strong$1.8B11.5%0.41%vs
First Carolina BankBank Rocky Mount, NC66 out of 100, Moderate$3.4B11.4%0.81%vs
HomeTrust BankBank Asheville, NC68 out of 100, Moderate$4.4B12.9%1.40%vs

Deposit insurance

Is my money safe at Uwharrie Bank?

Yes. Uwharrie Bank is an FDIC-insured institution (FDIC certificate #24919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 40.1% of deposits ($442.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.85% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Uwharrie Bank lists 10 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Uwharrie Bank reported 830 home-loan applications under HMDA (LEI 5493001LHLYJE6PHUL18): 684 originated ($206,770,000 total), 46 denied, and 93 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Uwharrie Bank
Former names
Bank of Stanly
Type
State-chartered bank (Fed member)
FDIC certificate #
24919
RSSD ID
590220
Primary regulator
FED
Holding company
Uwharrie Capital Corp
Established
January 26, 1984
Headquarters
167 N 2nd St, Albemarle, NC 28001
Employees
178

Quick answers

Uwharrie Bank: common questions

Is Uwharrie Bank FDIC insured?

Yes. Uwharrie Bank is an FDIC-insured institution (FDIC certificate #24919). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Uwharrie Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Uwharrie Bank ever failed?

There is no failure record for FDIC certificate #24919 in the FDIC failed bank list.

How many branches does Uwharrie Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Albemarle

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers & Merchants BankBank Granite Quarry, NC90 out of 100, Very strong$998.8M15.3%0.79%vs
Allvac Savings and Credit UnionCredit union Monroe, NC90 out of 100, Very strong$9.5M17.6%0.09%vs
Nova Credit UnionCredit union Charlotte, NC79 out of 100, Strong$120.7M17.6%0.56%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
First BankBank Southern Pines, NC74 out of 100, Strong$13.0B11.5%0.49%vs