Side-by-side · Q2 2026 data
First Bank vs Uwharrie Bank
Metric by metric
| Measure | First Bank | Uwharrie Bank |
|---|---|---|
| TellerScore | 74 | 74 |
| Capital cushion | 65 (stronger) | 51 |
| Loan quality | 84 | 96 (stronger) |
| Earnings | 83 (stronger) | 70 |
| Funding & liquidity | 51 | 69 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 87th | 74th |
| Total assets | $13.0B | $1.2B |
| Deposits / shares | $11.1B | $1.1B |
| Capital ratio | 11.50% (stronger) | 10.07% |
| Problem loans | 0.49% | 0.11% (stronger) |
| Net charge-offs | 0.05% | -0.02% (stronger) |
| Return on assets | 1.56% (stronger) | 1.26% |
| Loans ÷ deposits | 80.0% | 63.0% (stronger) |
| Uninsured deposits | 41.0% | 40.1% (stronger) |
| Offices | 111 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 6.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bank leads on 2 and Uwharrie Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Albemarle, NC
- Charlotte, NC
- Locust, NC
- Mount Pleasant, NC