Side-by-side · Q2 2026 data
Uwharrie Bank vs North State Bank
Metric by metric
| Measure | Uwharrie Bank | North State Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 51 (stronger) | 35 |
| Loan quality | 96 (stronger) | 94 |
| Earnings | 70 (stronger) | 52 |
| Funding & liquidity | 69 (stronger) | 49 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 74th | 24th |
| Total assets | $1.2B | $1.5B |
| Deposits / shares | $1.1B | $1.2B |
| Capital ratio | 10.07% (stronger) | 8.50% |
| Problem loans | 0.11% (stronger) | 0.17% |
| Net charge-offs | -0.02% | -0.03% (stronger) |
| Return on assets | 1.26% (stronger) | 0.79% |
| Loans ÷ deposits | 63.0% (stronger) | 94.2% |
| Uninsured deposits | 40.1% | 30.9% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 2.5% |
Uwharrie Bank has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Uwharrie Bank leads on 5 and North State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.