Is Uwharrie Bank Safe?
Uwharrie Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (68/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 11.78% | 75/100 |
| Nonperforming Loan Ratio | 0.25% | 95/100 |
| Liquidity Ratio | 38.83% | 100/100 |
| Return on Assets | 1.19% | 68/100 |
| Total Assets | $1.1B | |
How does Uwharrie Bank compare?
With a Bank Health Score of 87/100, Uwharrie Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Uwharrie Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 11.78% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.25% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Uwharrie Bank's Bank Health Score fell by 1.0 points to 87/100. Tier 1 capital weakened by 0.24 percentage points to 11.78%.
Uwharrie Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (68/100).