Side-by-side · Q2 2026 data
Uwharrie Bank vs First Carolina Bank
Metric by metric
| Measure | Uwharrie Bank | First Carolina Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 51 | 64 (stronger) |
| Loan quality | 96 (stronger) | 73 |
| Earnings | 70 (stronger) | 51 |
| Funding & liquidity | 69 (stronger) | 62 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 74th | 40th |
| Total assets | $1.2B | $3.4B |
| Deposits / shares | $1.1B | $2.9B |
| Capital ratio | 10.07% | 11.36% (stronger) |
| Problem loans | 0.11% (stronger) | 0.81% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.26% (stronger) | 0.78% |
| Loans ÷ deposits | 63.0% (stronger) | 94.8% |
| Uninsured deposits | 40.1% | 17.7% (stronger) |
| Offices | 10 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 5.6% |
Uwharrie Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Uwharrie Bank leads on 5 and First Carolina Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.