Side-by-side · Q2 2026 data
The Fidelity Bank vs Uwharrie Bank
Metric by metric
| Measure | The Fidelity Bank | Uwharrie Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 65 (stronger) | 51 |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 89 (stronger) | 70 |
| Funding & liquidity | 65 | 69 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 86th | 74th |
| Total assets | $4.7B | $1.2B |
| Deposits / shares | $4.2B | $1.1B |
| Capital ratio | 11.47% (stronger) | 10.07% |
| Problem loans | 0.42% | 0.11% (stronger) |
| Net charge-offs | 0.06% | -0.02% (stronger) |
| Return on assets | 1.73% (stronger) | 1.26% |
| Loans ÷ deposits | 69.2% | 63.0% (stronger) |
| Uninsured deposits | 38.2% (stronger) | 40.1% |
| Offices | 57 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.7% | 6.2% |
The Fidelity Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Fidelity Bank leads on 4 and Uwharrie Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.