FDIC Cert #24919 · Albemarle, North Carolina · Est. 1984

Uwharrie Bank - FDIC Bank Health Profile

A community-scale look at Uwharrie Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.2B
Total assets
A
Health grade · Excellent
1.07%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Uwharrie Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.04% Tier 1, profitable at 1.07% ROA, 67% efficiency ratio.

#894
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
13.04%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 24919 · NC A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1564/4307
  • PHOTO-FINISH Valley Bank of Ronan · MT
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Valley Bank of Ronan, MT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Uwharrie Bank

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank, Natio… · TX ·…83/100Bank of Commerce · KS · near83/100Llano National Bank · TX · n…83/100Uwharrie Bank · NC · this ba…83/100Valley Bank of Ronan · MT · …83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Uwharrie Bank · July 2026

What Uwharrie Bank's Call Report plate shows

Uwharrie Bank (FDIC Cert #24919) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,564 of 4,307. Tier 1 capital prints at 13.04%, clearing the 10% well-capitalized line. The Texas Ratio is 0.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $1.2B, 894th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Valley Bank of Ronan (MT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Uwharrie Bank

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Uwharrie Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Uwharrie Bank remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

How Uwharrie Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Uwharrie Bank's composite health score
Tier 1 Capital Ratio (13.04%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (0.36%) 20/20
Efficiency Ratio (67.17%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$692M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.64% 13.04% 14.44%
Basel III capital ratios - Uwharrie Bank

Where Uwharrie Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Uwharrie Bank's score of 83/100 falls in the highlighted band.

Uwharrie Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Uwharrie Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Uwharrie Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Uwharrie Bank's $1.2B falls in the highlighted band.

Safety ratios for Uwharrie Bank

Tier 1 capital ratio
Well-capitalized 10%

13.04% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.04%
Texas Ratio
0.36%
Equity Capital
$100M

What these ratios mean →

Earnings posture at Uwharrie Bank

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
13.80%
Efficiency Ratio
67.17%

What these mean →

Income & expense at Uwharrie Bank

$58M
Interest Income
$11M
Non-Interest Income
$34M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Uwharrie Bank reports a Texas Ratio of 0.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Uwharrie Bank on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside North Carolina so the neighborhood is not state containment.

Dime Bank $1.2B · CT M1 Bank $1.2B · MO Trustar Bank $1.2B · VA The Union Bank Company $1.2B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Uwharrie Bank (FDIC Cert #24919) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Uwharrie Bank Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
Bank of America, National AssociationCharlotte $2.64T A 1.15%
Truist BankCharlotte $539.5B A 1.04%
First-Citizens Bank & Trust CompanyRaleigh $229.3B B 1.00%
Live Oak Banking CompanyWilmington $15.1B C 0.82%
First BankSouthern Pines $12.7B A 0.94%
Southern Bank and Trust CompanyMount Olive $5.2B A 1.19%
HomeTrust BankAsheville $4.5B A 1.43%
The Fidelity BankFuquay Varina $4.4B A 1.74%