What is Uwharrie Bank's financial health grade?

Uwharrie Bank has a TFS Financial Health Grade of C (score: 73.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Uwharrie Bank have?

Uwharrie Bank has 10 branch locations across the United States.

Is Uwharrie Bank FDIC insured?

Yes, Uwharrie Bank is FDIC insured (Certificate #24919).

What are the total assets of Uwharrie Bank?

Uwharrie Bank has total assets of $1.2B as reported in its most recent FDIC filing.

Uwharrie Bank

BankAlbemarle, North Carolina

http://www.uwharrie.com

Total Assets

$1.2B

Total Deposits

$1.1B

Branches

Established

1984

TFS Health Grade

73.5 / 100

Average financial health

How we grade

Uwharrie Bank is a bank headquartered in Albemarle, North Carolina, established in 1984. With $1.2B in total assets and 10 branch locations, it has a TFS Financial Health Grade of C (73.5/100).

Capital & Safety

Tier 1 Capital Ratio

9.64%(8%)

Total Capital Ratio

15.16%(10%)

Non-Performing Loan Ratio

0.05%

Profitability

Return on Assets (ROA)

1.07%(1%)

Return on Equity (ROE)

13.80%(10%)

Net Interest Margin

3.62%

Efficiency Ratio

67.17%(60%)

Lending & Liquidity

Total Loans

$698.6M

Loan-to-Deposit Ratio

63.83%

Net Charge-Off Ratio

0.02%

Growth

Asset Growth (YoY)

+5.92%

Deposit Growth (YoY)

+4.70%

Net Income

$12.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Uwharrie BankHQ	167 N 2nd St	Albemarle	NC	11
Uwharrie Bank	710 N 1st St	Albemarle	NC	11
Uwharrie Bank	800 Highway 24-27 Bypass	Albemarle	NC	11
Uwharrie Bank	5231 Piper Station Dr	Charlotte	NC	11
Uwharrie Bank	25 Palaside Dr Ne	Concord	NC	11
Uwharrie Bank	416 Main St W	Locust	NC	11
Uwharrie Bank	1490 S Main St	Mount Pleasant	NC	11
Uwharrie Bank	107 S Main St	Norwood	NC	11
Uwharrie Bank	224 N Main St	Oakboro	NC	11
Uwharrie Bank	211 S Green St	Wadesboro	NC	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.