Overview / Commentary
167 North Second Street
Albemarle, NC 28001

Uwharrie Bank is headquartered in Albemarle and is the 16th largest bank in the state of North Carolina. It is also the 1,192nd largest bank in the nation. It was established in 1984 and as of June of 2018, it had grown to 170 employees at 10 locations. Uwharrie Bank has an A health rating.


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Health Grade Components

FDIC Certificate #24919
Year Established1984
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.37%
Return on Equity - YTD4.27%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$611.8MM$583.5MM
LoansQ2 2018vs Q2 2017$373.3MM$353.7MM
DepositsQ2 2018vs Q2 2017$552.6MM$524.6MM
Equity CapitalQ2 2018vs Q2 2017$52.1MM$52.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$2.6MM$2.6MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$958.00K$1.0MM
Real Estate OwnedQ2 2018vs Q2 2017$1.4MM$2.8MM
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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

0.15%*$5k*-Health Savings Account - HSA
OTHER TIERS: 0.05% Up to $5k
0.15%*$5k*-Business Health Savings Account
OTHER TIERS: 0.05% Up to $5k
0.11%*$10k*-High Rate Passbook Savings
OTHER TIERS: 0.10% Up to $10k
0.11%*$10k*-Commercial High Rate Savings
OTHER TIERS: 0.10% Up to $10k
0.05%--Statement Savings
0.05%--Christmas Club Account
0.05%--Youth and Student Savings
0.05%--Commercial Statement Savings

Uwharrie Bank Money Market Rates

0.20%*$10k*-Leadership Money Market
OTHER TIERS: 0.15% Up to $10k
0.15%*$50k*-Money Manager Savings
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k
0.15%*$50k*-Business Market Investment Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k

Uwharrie Bank Checking Account Rates

0.05%--Leadership Checking
0.05%--Business Manager and Non-Profit Checking
0.05%--Interest on Lawyers Trust Account (IOLTA)

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

Albemarle Branches
Bank Of Stanly167 North Second StreetAlbemarle, 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 28026

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 Branch624 North Main StreetOakboro, NC 28129

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

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