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Uwharrie Bank
Albemarle, NC · FDIC Certificate #24919 · Chartered 01/2
Total assets
$1.22B
Total deposits
$1.10B
Total equity
$106.80M
Net loans
$694.07M
Branches (offices)
10
Net income (YTD)
$7.69M
Rank: #879 of 4,213 U.S. banks by assets · #14 of 38 in North Carolina. Assets changed 4.5% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 14.97% |
| Net interest margin (YTD) | 3.57% |
| Equity to assets | 8.75% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 40.1% |
| Noncurrent loans (share of loans) | 0.11% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 63.0% |
| Real estate loans (share of loans) | 83.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $580.19M | 83.6% | |
| Commercial & industrial | $90.02M | 13.0% | |
| Consumer / individual | $9.22M | 1.3% | |
| Construction & development | $84.57M | 12.2% | |
| Agricultural | $52.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $989.12M | $914.23M | $3.08M | $64.76M |
| Jun 2023 | $1.03B | $954.86M | $4.77M | $65.97M |
| Jun 2024 | $1.12B | $1.03B | $5.16M | $76.76M |
| Jun 2025 | $1.17B | $1.07B | $5.98M | $90.74M |
| Jun 2026 | $1.22B | $1.10B | $7.69M | $106.80M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $1.10B | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.10B.
Similar-sized banks
Pilot Grove Savings Bank ($1.22B) · Citizens State Bank ($1.22B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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