Uwharrie Bank is a bank based in Albemarle, North Carolina, established in 1984, with $1.2 billion in total assets across 10 branches. By Trust Grade it ranks 25th of 38 banks we track in North Carolina. Its capital ratio of 8.1% trails most similarly sized banks (10th percentile), versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 1.14% return on assets. No consumer complaints against Uwharrie Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Uwharrie Bank compares to North Carolina peers
How we graded Uwharrie Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Strongly profitable (ROA 1.14%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Uwharrie Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (10)
- 167 N 2nd St, Albemarle, NC 28001
- 710 N 1st St, Albemarle, NC 28001
- 107 S Main St, Norwood, NC 28128
- 224 N Main St, Oakboro, NC 28129
- 800 Highway 24-27 Bypass, Albemarle, NC 28001
- 25 Palaside Dr Ne, Concord, NC 28025
- 1490 S Main St, Mount Pleasant, NC 28124
- 211 S Green St, Wadesboro, NC 28170
- 416 Main St W, Locust, NC 28097
- 5231 Piper Station Dr, Charlotte, NC 28277
Are deposits at Uwharrie Bank insured?
Yes. Uwharrie Bank is an FDIC-insured bank (FDIC certificate #24919). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Uwharrie Bank: frequently asked questions
Is Uwharrie Bank a good bank?
Uwharrie Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Strongly profitable (ROA 1.14%).
Is Uwharrie Bank FDIC-insured?
Yes. Uwharrie Bank is a FDIC-insured bank (FDIC certificate #24919). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Uwharrie Bank?
Uwharrie Bank holds $1.2 billion in total assets, ranking 25th of 38 banks we track in North Carolina. It operates 10 branches.
Does Uwharrie Bank have CFPB complaints?
No CFPB complaints against Uwharrie Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
