Uwharrie Bank

167 North Second Street
Albemarle, NC 28001


General Bank Information

FDIC Insured Yes
FDIC Certificate # 24919
Date Established 1984
Assets $0.59 billion
Loans $0.35 billion
Deposits $0.53 billion
Capital $0.05 billion

Uwharrie Bank is an FDIC insured institution located in Albemarle, NC. It was founded in 1984 and has approximately $0.59 billion in assets. Customers can open an account at one of its 9 branches.

For a more detailed analysis of Uwharrie Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Uwharrie Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in North Carolina, Uwharrie Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.12
Credit Card Loans 0.55
Consumer Auto Loans 0.66
Small Business Loans 14.90
Construction and Development Loans 10.53
Commercial Real Estate 32.69
Commercial and Industrial Loans 10.14
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.07% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 10K
0.09% $10,000 $49,999 Learn MoreShow Less
Savings Rates APY MIN MAX
0.09% $1 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.05% $1 $9,999 Learn MoreShow Less
MM 2.5K
0.05% $1 $9,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $19,999 Learn MoreShow Less
MM 25K
0.10% $20,000 $49,999 Learn MoreShow Less
Premium MM 10K
0.20% $10,000 $19,999 Learn MoreShow Less
Premium MM 25K
0.20% $20,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $999 Learn MoreShow Less
Int Ckg 2.5K
0.05% $1,000 $9,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Uwharrie Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.930% 3.875% 0.25 $1,787 $1,176 Learn More
CapWest Home Loans
NMLS ID: 6521
4.284% 4.250% 0.00 $997 $1,230 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

Note to Uwharrie Bank
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Financial Details

Uwharrie Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Uwharrie Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Uwharrie Bank U.S. Bank Average
6.21% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Uwharrie Bank had $760,000 in non-current loans and $2,681,000 in owned real estate. To cover these potential losses it had $52,953,000 in equity and $2,448,000 in loans loss reserves. That gives it a Texas Ratio of 6.21%.

Return on Equity
Uwharrie Bank U.S. Bank Average
5.84% 8.84%

Uwharrie Bank has a Return on Equity of 5.84% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Uwharrie Bank U.S. Bank Average
8.98% 12.21%

Uwharrie Bank has a Capitalization of 8.98% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Uwharrie Bank Balance Sheet Analysis

As of September 30, 2017, Uwharrie Bank had assets of $589,792,000, loans of $350,196,000, and deposits of $529,877,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Uwharrie Bank

Branches and Savings

Is Uwharrie Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24919.

Why does Uwharrie Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Uwharrie Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Uwharrie Bank a commercial bank?


Where are Uwharrie Bank locations?

See branch locations nearby.

Is Uwharrie Bank open on Saturdays?

Is Uwharrie Bank open on Sundays?

What time does Uwharrie Bank open?

What time does Uwharrie Bank close?

Are Uwharrie Bank ATMs Open 24/7?

Do Uwharrie Bank ATMs accept cash deposits?

Can Uwharrie Bank customers use other ATMs?

Do Uwharrie Bank branches have notaries?

Will Uwharrie Bank notarize my document?

What address for Uwharrie Bank should I put for incoming ACH transfers?

Will the Uwharrie Bank branch print checks?

Do Uwharrie Bank checks expire?

Does Uwharrie Bank require US citizenship to open account?

Can Uwharrie Bank close my account?

Does Uwharrie Bank Report to credit bureaus?

Does Uwharrie Bank Use Equifax?

What is Uwharrie Bank's ACH Routing Number?

What is Uwharrie Bank's SWIFT code?


Does Uwharrie Bank offer mortgages?

Compare mortgage rates here.

Does Uwharrie Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Uwharrie Bank offer personal loans?

Compare personal loan rates here.

Does Uwharrie Bank offer student loans?

Will Uwharrie Bank cash a check?

Will Uwharrie Bank redeem a savings bond?

Does Uwharrie Bank cash savings bonds?

Will Uwharrie Bank cash money orders?

Can Uwharrie Bank issue a money order?

Does Uwharrie Bank do currency exchange?

Background on The Bank

Who owns Uwharrie Bank?

How long has Uwharrie Bank been around?

Can Uwharrie Bank transfer to other banks?

Does Uwharrie Bank have quick pay?

Does Uwharrie Bank accept rolled coins?

Will Uwharrie Bank accept loose change?

Where is Uwharrie Bank headquarters?

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