Bank · FDIC insured
Uwharrie Bank
A $1.2B bank headquartered in Albemarle, NC, with 10 branches in North Carolina. Best rates: CDs 3.75% and savings 0.45% APY.
Uwharrie Bank Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#5 of 6 in Albemarle, NC metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Uwharrie Bank
- Headquarters
- 167 N 2nd St, Albemarle, NC 28001
- FDIC certificate
- 24919 ↗
Branches
10 branches in North Carolina
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North Carolina
10 branches
Albemarle area · 6
- Uwharrie BankMain office167 N 2nd St, Albemarle, NC 28001Directions
- East Albemarle Branch800 Highway 24-27 Bypass, Albemarle, NC 28001Directions
- Village Branch710 N 1st St, Albemarle, NC 28001Directions
- West Stanly Branch416 Main St W, Locust, NC 28097Directions
- Norwood Branch107 S Main St, Norwood, NC 28128Directions
- Oakboro Branch224 N Main St, Oakboro, NC 28129Directions
Charlotte area · 4
- Rea Road At Stonecrest Branch5231 Piper Station Dr, Charlotte, NC 28277Directions
- Concord Branch25 Palaside Dr Ne, Concord, NC 28025Directions
- Mount Pleasant Branch8320 W Franklin St, Mount Pleasant, NC 28124Directions
- Wadesboro Branch211 S Green St, Wadesboro, NC 28170Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.07% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.11% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.26% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $63 | $88 | — |
- CapitalLeverage ratio10.07%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.11%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$63Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Uwharrie Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.