BlastPoint's Banking Scorecard
Uwharrie Bank
Community
Specialty: Commercial
NC
FDIC cert 24919
Albemarle, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Uwharrie Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5% in Community
- - Credit Risk Growth: Bottom 10% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.9% YoY
-1.6% QoQ
|
-$197.3M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$692.2M
+4.1% YoY
+2.4% QoQ
|
-$283.3M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$1.1B
+4.7% YoY
-2.2% QoQ
|
-$80.2M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.07%
+9.2% YoY
+2.6% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.62%
+2.6% YoY
+1.0% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
67.17%
-1.7% YoY
-0.2% QoQ
|
+4.54% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.05%
+89.2% YoY
-8.4% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Top 13% in tier |
| Loan-to-Deposit Ratio ? |
63.83%
-0.6% YoY
+4.6% QoQ
|
-19.23% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.87%
-5.5% YoY
-4.1% QoQ
|
+3.83% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.03%
+85.9% YoY
-4.7% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? |
14.35%
+8.6% YoY
+3.1% QoQ
|
+4.10% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.92%
+11.9% YoY
+36.8% QoQ
|
+0.18% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#97 of 371 · Top 26% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Credit Quality Pressure
risk
#39 of 808 · Bottom 5% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#62 of 642 · Bottom 10% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.83% · Tier avg: 83.06%
87
87th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 10.24%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.87% · Tier avg: 21.05%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $692.2M · Tier avg: $975.5M
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
34
34th pctile
Efficiency Ratio
Current: 67.17% · Tier avg: 62.63%
Top Weaknesses
34
34th pctile
Efficiency Ratio
Current: 67.17% · Tier avg: 62.63%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
49
49th pctile
Total Loans
Current: $692.2M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 24.87% · Tier avg: 21.05%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.35% · Tier avg: 10.24%
83
83th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.74%
87
87th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.83% · Tier avg: 83.06%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%