Side-by-side · Q2 2026 data
Uwharrie Bank vs Providence Bank
Metric by metric
| Measure | Uwharrie Bank | Providence Bank |
|---|---|---|
| TellerScore | 74 | 82 (stronger) |
| Capital cushion | 51 | 72 (stronger) |
| Loan quality | 96 | 96 |
| Earnings | 70 | 92 (stronger) |
| Funding & liquidity | 69 (stronger) | 56 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 74th | 93rd |
| Total assets | $1.2B | $1.5B |
| Deposits / shares | $1.1B | $1.3B |
| Capital ratio | 10.07% | 12.21% (stronger) |
| Problem loans | 0.11% (stronger) | 0.12% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 1.26% | 1.80% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 96.6% |
| Uninsured deposits | 40.1% | 21.5% (stronger) |
| Offices | 10 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 5.6% |
Providence Bank has the higher TellerScore (82 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Uwharrie Bank leads on 3 and Providence Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.