Uwharrie Bank

Overview / Commentary
167 North Second Street
Albemarle, NC 28001

Uwharrie Bank is headquartered in ALBEMARLE and is the 14th largest bank in the state of North Carolina. It is also the 937th largest bank in the nation. It was established in 1984 and as of September of 2023, it had grown to 171 employees at 10 locations. Uwharrie Bank has a B+ health rating.


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Health Grade Components

FDIC Certificate #24919
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD15.1%
Annual Interest Income$33.2MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.07B$1.04B
LoansQ3 2023vs Q3 2022$578.3MM$479.3MM
DepositsQ3 2023vs Q3 2022$994.6MM$967.2MM
Equity CapitalQ3 2023vs Q3 2022$61.8MM$58.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.1MM$2.7MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$821K$148K
Real Estate OwnedQ3 2023vs Q3 2022$141K$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Uwharrie Bank Savings Account Rates

0.50%*$50k*-High Rate Passbook Savings
OTHER TIERS: 0.35% Up to $20k | 0.45% $20k - $50k
0.50%*$50k*-Commercial High Rate Savings
OTHER TIERS: 0.35% Up to $20k | 0.45% $20k - $50k
0.25%--Statement Savings
0.25%--Commercial Statement Savings

Uwharrie Bank Money Market Rates

0.65%*$100k*-Leadership Money Market
OTHER TIERS: 0.45% Up to $50k | 0.55% $50k - $100k
0.65%*$100k*-Business Market Investment Account
OTHER TIERS: 0.45% Up to $50k | 0.55% $50k - $100k
0.25%--Money Manager Savings

Uwharrie Bank Checking Account Rates

0.05%--Leadership Checking
0.05%--Business Manager and Non-Profit Checking

Cities: Albemarle, Charlotte, Concord, Locust, Mount Pleasant, Norwood, Oakboro, Wadesboro

Albemarle Branches
Bank Of Stanly167 N 2nd StAlbemarle, NC 28001
Village Branch710 North First StreetAlbemarle, NC 28001
Albemarle Branch800 Highway 24-27 BypassAlbemarle, NC 28001

Charlotte Branches
Rea Road At Stonecrest Branch5231 Piper Station DriveCharlotte, NC 28277

Concord Branches
Cabarrus Bank & Trust Company Branch25 Palaside Drive, N.E.Concord, NC 28025

Locust Branches
West Stanly Branch416 West Main Street, Po Box 715Locust, NC 28097

Mount Pleasant Branches
Mount Pleasant Branch1490 South Main StreetMount Pleasant, NC 28124

Norwood Branches
Norwood Branch107 South Main StreetNorwood, NC 28128

Oakboro Branches
Oakboro Branch224 N Main StOakboro, NC 28129

Wadesboro Branches
Anson Bank & Trust Co. Branch211 South Greene StreetWadesboro, NC 28170

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