Uwharrie Bank

Overview / Commentary

www.uwharrie.com

704-983-6181

167 North Second Street
Albemarle, NC 28001

Uwharrie Bank is headquartered in Albemarle and is the 15^th largest bank in the state of North Carolina. It is also the 1,062^nd largest bank in the nation. It was established in 1984 and as of September of 2021, it had grown to 176 employees at 10 locations. Uwharrie Bank has an A health rating.

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Health

Data as of Q3 2021

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Health Grade Components

Overall
FDIC Certificate #	24919
Year Established	1984
Employees	176
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.44%
Return on Equity - YTD	17.23%
Annual Interest Income	$20.9MM

Assets and Liabilities
Assets	Q3 2021vs Q3 2020	$917.5MM$787.1MM
Loans	Q3 2021vs Q3 2020	$438.4MM$471.0MM
Deposits	Q3 2021vs Q3 2020	$820.2MM$715.6MM
Equity Capital	Q3 2021vs Q3 2020	$84.7MM$60.3MM
Loan Loss Allowance	Q3 2021vs Q3 2020	$3.7MM$4.5MM
Unbacked Noncurrent Loans	Q3 2021vs Q3 2020	$3.2MM$3.9MM
Real Estate Owned	Q3 2021vs Q3 2020	$0$359.00K

Rates

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Money Market
Checking

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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

APY	MIN	MAX	ACCOUNT NAME
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%	-	-	Commercial Statement Savings

Uwharrie Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Business Market Investment Account
OTHER TIERS: 0.10% → Up to $20k \| 0.15% → $20k - $100k
0.15%^*	$50k^*	-	Leadership Money Market
OTHER TIERS: 0.10% → Up to $50k
0.10%^*	$50k^*	-	Money Manager Savings
OTHER TIERS: 0.05% → Up to $50k

Uwharrie Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Leadership Checking
0.05%	-	-	Business Manager and Non-Profit Checking

Locations

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

Albemarle Branches
Bank Of Stanly	167 North Second Street	Albemarle, NC 28001
Village Branch	710 North First Street	Albemarle, NC 28001
Albemarle Branch	800 Highway 24-27 Bypass	Albemarle, NC 28001

Charlotte Branches
Rea Road At Stonecrest Branch	5231 Piper Station Drive	Charlotte, NC 28277

Concord Branches
Cabarrus Bank & Trust Company Branch	25 Palaside Drive, N.E.	Concord, NC 28025

Locust Branches
West Stanly Branch	416 West Main Street, Po Box 715	Locust, NC 28097

Mount Pleasant Branches
Mount Pleasant Branch	1490 South Main Street	Mount Pleasant, NC 28124

Norwood Branches
Norwood Branch	107 South Main Street	Norwood, NC 28128

Oakboro Branches
Oakboro Branch	224 N Main St	Oakboro, NC 28129

Wadesboro Branches
Anson Bank & Trust Co. Branch	211 South Greene Street	Wadesboro, NC 28170

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