| Metric | Uwharrie Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -1.0 pts |
| Deposit growth (YoY) | +3.4% | +5.1% | -1.7 pts |
| Loan growth (YoY) | +2.0% | +5.9% | -3.9 pts |
| ROA | 1.26% | 1.26% | -0.0 pts |
| ROE | 15.0% | 12.2% | +2.8 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.22B | $1.10B | $694.1M | $106.8M | $7.7M | 1.26% | 3.57% | 0.06% |
| Q1 2026 | $1.25B | $1.13B | $690.9M | $101.6M | $3.5M | 1.14% | 3.50% | 0.03% |
| Q4 2025 | $1.19B | $1.08B | $692.2M | $100.0M | $12.5M | 1.07% | 3.62% | 0.03% |
| Q3 2025 | $1.21B | $1.11B | $676.1M | $94.8M | $9.1M | 1.04% | 3.59% | 0.03% |
| Q2 2025 | $1.17B | $1.07B | $680.5M | $90.7M | $6.0M | 1.04% | 3.58% | 0.03% |
| Q1 2025 | $1.16B | $1.06B | $663.4M | $86.9M | $2.9M | 1.00% | 3.49% | 0.03% |
| Q4 2024 | $1.13B | $1.04B | $665.1M | $81.8M | $10.9M | 0.98% | 3.53% | 0.02% |
| Q3 2024 | $1.18B | $1.08B | $646.2M | $84.8M | $8.4M | 1.01% | 3.47% | 0.06% |
Loan mix (Q2 2026): real estate $580.2M · commercial $90.0M · consumer $9.2M · securities $382.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Uwharrie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 12.2% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 59.0% | 71th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Uwharrie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Uwharrie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Uwharrie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Uwharrie Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.