# UWHARRIE BANK
ALBEMARLE, NC · FDIC certificate 24919 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.22B | |
| Deposits | $1.10B | |
| Loans and leases | $700.1M | |
| Total equity | $106.8M | |
| Loans / deposits | 62.95% (p9 of band) | 87.10% |
| Liquid assets / assets | 38.83% (p89 of band) | |
| Uninsured deposits / deposits | 40.09% (p74 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.07% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -22.79% (p15 of band) | -7.75% |
| AOCI / equity | -0.54% (p33 of band) | |
| ROA (annualized) | 1.26% (p50 of band) | 1.26% |
| Net interest margin | 3.57% (p42 of band) | 3.70% |
| Efficiency ratio | 66.41% (p72 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p5 of band) | |
| Reserve coverage of noncurrent | 776.39% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 79.18% (p79 of band) | |
| Auto loans | $1.7M (0.24% of loans; DQ 0.12%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 178 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | construction >100% equity |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | expense ratio p90 |  |
| 2014-12 | 1 | capital falling | expense ratio p90 |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | expense ratio p90 |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 1 |  | capital falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 2 |  | expense ratio p90 |
| 2020-09 | 1 |  | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 4 | expense ratio p90 |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 2 | charge-offs p90 | capital falling, AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 1 |  | charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-08-30 [2019 Trailblazer: David Beaver - Business North Carolina](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8xZlJZam9yQXRRMkV5WGpWTktrdnNCcE50TE5taG9fa29xckp4YnpJUEZrLTlQZnp0eUZ1YUQxOVdmWEZ4dmlTZFF4SVFUWHRaTkwyN1VsY21vMWk3Z210eldGQQ?oc=5) · Business North Carolina
- 2018-04-12 [Uwharrie Bank opens first full-service branch in Charlotte with modern touches (PHOTOS) - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcVVxdklRQm5QMEJBbG5hS1IwY2djbmFGU0pOT1hDVkdOd256X3dGSzBKYXNOUV9QOFNPUTRQbl9BdURsVUVieEh6WE9McHpPb1BZWmlsS0dxY0MwUnVDQmVMS2NyYU5UdlNsUFNfRkgzME1SVVlEeU1tcU5DYU5valJLX3VDQW5tb0ItUVotRHNNNnFVM0pzeEVFcjQzMU5lVzVPeFE0WGs1Qkk?oc=5) · The Business Journals
- 2020-06-08 [Denied by big banks, Charlotte's black owned businesses get relief from rural community - WCNC](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQUWppWV84RW4xN3NmQmJrUkJ5MVhJWjFxUnlwRjVEakxUM0hpa0dPQ0licHZNSkRYS1FPNmtjdXZxd1pDZnFjWTdleDhSaXJQdTdIWllRRFc1QWxWSDFFX0lINEZrc3dYUkN4RFVWbEw3QW40Nk1qZ1A2cFluM0ZyOWZjYUdsbW5jVjFNRmdFWUg0Y0pwel9vczN5YUZDZkwxZkFsZi1rU2N4WElvN1pYUC1ZYXlNQ3lJRnVoTEdQeVBlemdQMmF5bzhNQ0d4c3ZmM2puT3J2ajc?oc=5) · WCNC
- 2023-12-31 [Uwharrie Bank (NC) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMif0FVX3lxTE1uREFfQWNfek5IQ21YTXB3cXo1VVJPYnpkTXVCeXhSMEtWRVRHZVROc0MyanlwZGJFRWFVMU9WZmZVQzVoMEhHWmJHXy1oZXFBeGhqaEgtQVZtRVpoSmluR3IxcXZRWmlaUjBOQjJvTVJuVVp2SlVCT2xkeFQzVWM?oc=5) · SmartAsset
- 2015-11-06 [Report: Man dressed as woman robs Mt. Pleasant bank with stun gun - WBTV](https://news.google.com/rss/articles/CBMiogFBVV95cUxOLVg0WlBJZmg5ZEl5V1Vsa1dJVEctVmgyR29renV3NU56a2dtUXpvczNVYmZjS2VOZEQ3QWJ4WTlsRFB5b2hmOWhzUmNVWldqRXhxMi03T3Fvc0FxZkF5YS14bUVKUE1IeXdJeGZXR0s0S1d0QUpEdWQ2XzN4UXFQRkljek4wM25tV0pDRjZVZ1pBSDREMkF3MGxVVDZCQnRBSVHSAbQBQVVfeXFMUG1Fa1R3UDJ5a1NOS3pveFM0Q2lISVVlNkxuSXhqcU5PNmh1dHloYVprb2ZxSU5CLUlwcUhQY29rY3U0a1p4VjZoWUprYXpzRjRCYWhCSFZEZzV0UVptSHdxN0dhMEY1TVYzVDY1aHpxWHNjYjhqSTI4VGJUa256TlM3TlYxZXVmN2lmSHJ2QUc2aTBNZUZwX1ktYzZnSTc3eWhUeHhMOUpMcUFaZTMtTFZpdE1P?oc=5) · WBTV
- 2025-04-17 [In the shadow of ‘banktown’, a banking desert grows near Charlotte. Why? - Charlotte Observer](https://news.google.com/rss/articles/CBMieEFVX3lxTE9NZGp5eVczYjRFLW9HMGJBXzZ1VUY2NzZRRkNVbHVDMUtqUXlYQ2FSeEhBa1BZSzZvZE42Tl9PWEJZc3Y1WUdiLUNIYkFlZ3pnbnNIbEFFRDN2am1qOHFHbS11cy01Vmx2MkNPNWZBTUUwdm5iMzFNQQ?oc=5) · Charlotte Observer
- 2016-01-18 [Uwharrie Bank boosts Agri-Civic Center campaign - ansonrecord.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPT3Bqc2IxeHNpRkRfZVk3aVdubTNUS04wS18xcGxxX09oNUplOW95clNQMmVIY04zd2trLTFFOHVxRGdSQUlSaWFoZF9oWG1Gem40VnpDd09ZYk40M0VGbmRfeVBqbDRxRWZHOV8tc0NjNmdicUhoTUNaTlJSUDVrbllQcVlxdWlIckVtcDJB?oc=5) · ansonrecord.com
- 2016-02-24 [Police: 2 arrested in Norwood bank robbery - WSOC TV](https://news.google.com/rss/articles/CBMioAFBVV95cUxOVzJVNGZoV1BtajFCUURlaVhkcHVmeVlQZnZsTHFMRmRfb19oTDJZR3JIckJGRDhwVzJ4NnZsWF8wVy00TjVfWEtveFFyVzZ4SGhmMzNxY2ZGd3VuRGhjNVVzR3A0aVJIS0h4XzU1OXhFRFgtZEo2MzNnVzdSeFpTalU3NkVlZzdxd0FMRUpGR3h0Y09Db0wwZi1FMjBNd0xR0gG0AUFVX3lxTE9xNFhGdVdqOFNTY0gzcDNDQk1ONFE2bWgtVlFRYS1HRVpCR1VfV2plY1ZMQ09JRmhsMnMxakZiR2x5NEFRN2IxbEYyOTVETGZuT3JKejg2Tnh2aVVJTXFKRHZNOTdzbUpHa2l5ZTNaaHFpQmU2U19PeEppQnhMZ21WaC1GcXhwX1c4cjAzaVNVX0c1aDltQWlKQkRJSk4ta29zVTgxNE1jSWk4cUZhVzc3RnI5WQ?oc=5) · WSOC TV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24919 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "24919", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide