Uwharrie Bank
Albemarle, NC
IDRSSD: 590220
Total Assets
$1.19B
Latest filing
Total Deposits
$1.08B
Latest filing
Net Interest Margin
3.68%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
053111690ALBEMARLE, NC
Key People
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Locations
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Main Office
Uwharrie Bank
167 N 2nd St
Albemarle, NC 28001
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/26/1984FDIC Certificate 17273
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Uwharrie Bank (Main) | 167 N 2nd St | Albemarle, NC |
| VILLAGE BRANCH | 710 N 1st St | Albemarle, NC |
| NORWOOD BRANCH | 107 S Main St | Norwood, NC |
| OAKBORO BRANCH | 224 N Main St | Oakboro, NC |
| EAST ALBEMARLE BRANCH | 800 Highway 24-27 Bypass | Albemarle, NC |
| CONCORD BRANCH | 25 Palaside Dr Ne | Concord, NC |
| MOUNT PLEASANT BRANCH | 1490 S Main St | Mount Pleasant, NC |
| WADESBORO BRANCH | 211 S Green St | Wadesboro, NC |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/26/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 28001 |
| State and County Number | 37167 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Albemarle, NC |
Operational Info
| Number of Employees | 175 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/26/1984 |
| Primary Insurance Agency | DIF |
| Website | http://www.uwharrie.com |
| Data Updated | 01/30/2026 |
| CERT | 24919 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.19B |
| Total Deposits | $1.08B |
| Total Liabilities | $1.09B |
| Total Equity Capital | $99.96M |
| Net Income | $3.41M |
| Net Loans and Leases | $692.16M |
| Assets Per Employee ($Millions) | $6.82M |
| Bank Premises and Fixed Assets | $14.45M |
| Cash and Balances due from Depository Institutions | $73.33M |
| Deposits Held in Domestic Offices | $1.08B |
Key Performance Ratios
| Return on Assets (ROA) | 1.13% |
| Return on Equity (ROE) | 14.01% |
| Net Interest Margin | 3.68% |
| Efficiency Ratio | 66.83% |
| Tier 1 Risk-Based Capital Ratio | 13.036% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.371% |
| Earning Assets to total Assets | 94.72% |
Income and Expense
| Total Interest Income | $15.02M |
| Total Noninterest Income | $2.81M |
| Total Interest Expense | $4.52M |
| Total Noninterest Expense | $8.89M |
| Net Interest Income | $10.49M |
| Pre-tax Net Operating Income | $4.40M |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.80M |
| Total Liabilities and Capital | $1.19B |
Securities
| Securities | $379.69M |
| Available-for-sale debt securities | $357.74M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $21.99M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Uwharrie Bank?
$1.19B as of the latest filing.
How much are Uwharrie Bank's total deposits?
$1.08B in total deposits.
Where is Uwharrie Bank located?
Albemarle, NC.
What is the Net Interest Margin?
3.68%.
How many domestic offices does it operate?
10.
When was it established?
01/26/1984.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$692.16M (latest filing).
What is the total interest income (latest filing)?
$15.02M.