UWHR on OTC

UWHARRIE CAPITAL CORP

UWHARRIE CAPITAL CORP is an American state commercial bank based in Albemarle, active since 1993.2 Its shares trade on OTC under the symbol UWHR.2

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Last updated Oct 20, 2026.

Overview

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  • TickerUWHR on OTC2
  • IndustryState Commercial Banks2
  • HeadquartersAlbemarle, United States2
  • Incorporated inNC3
  • Business address132 North First Street, Po Box 338, Albemarle, Nc 280013
  • Filer categoryNon-accelerated filer, Smaller reporting company3
  • Legal formBusiness Corporation2
  • LEI549300HVGB1UTW5KC0052
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O Roger L Dick, 28001 Albemarle, United States2
  • Registered withCorporations Division (Department of the Secretary of State), 03206692

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Uwharrie Capital Corp (the “Company”) is a North Carolina business corporation and registered bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”), a North Carolina commercial bank, originally chartered on September 28, 1983 as Bank of Stanly, and its three wholly owned subsidiaries, The Strategic Alliance Corporation (“Strategic Alliance”), BOS Agency, Inc. (“BOS Agency”) and Gateway Mortgage, Inc., a mortgage brokerage company acquired in August 2000. The Company also owns two non-bank subsidiaries, Uwharrie Investment Advisors, Inc., formerly known as Strategic Investment Advisors, Inc., formed in 1999, and Uwharrie Mortgage, Inc., formed in 2004.5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income678910$11.4M in 2025+268% since 2019
0$5.0M$10.0M$15.0M2019: $3.1M$3.1M20192020: $8.1M$8.1M2020+163%2021: $10.1M$10.1M2021+24%2022: $8.2M$8.2M2022−18%2023: $8.6M$8.6M2023+4%2024: $9.9M$9.9M2024+15%2025: $11.4M$11.4M2025+15%

Every line of the income statement as filed: the last 3 fiscal years, latest first.10

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$42.2M$38.4M$29.5M
Investment securities, taxable$11.5M$11.9M$10.7M
Investment securities, non-taxable$1.3M$1.2M$1.3M
Equity securities$20.0K$20.0K$20.0K
Interest-earning deposits with banks and federal funds sold$2.8M$3.2M$4.1M
Total interest income$57.8M$54.7M$45.7M
Interest checking and money market accounts$6.7M$6.7M$6.1M
Savings deposits$602.0K$550.0K$434.0K
Time deposits, $250,000 and over$5.2M$4.9M$2.3M
Other time deposits$5.2M$5.1M$2.8M
Short-term borrowed funds$25.0K$220.0K$46.0K
Long-term debt$1.3M$1.3M$1.3M
Total interest expense$19.0M$18.8M$13.0M
Net interest income$38.9M$35.9M$32.7M
Loans$756.0K$533.0K$1.5M
Securities held to maturity-$23.0K$12.0K-$15.0K
Unfunded loan commitments-$7.0K-$17.0K$34.0K
Total provision for (recovery of) credit losses$726.0K$528.0K$1.5M
Net interest income after provision for (recovery of) credit losses$38.1M$35.4M$31.2M
Service charges on deposit accounts$1.1M$1.1M$1.1M
Other service fees and commissions$4.1M$3.8M$3.4M
Interchange and card transaction fees, net$1.1M$1.2M$1.3M
Loss on sale/call of securities-$148.0K-$42.0K
Realized/unrealized gain (loss) on equity securities-$31.0K$32.0K$10.0K
Income from mortgage banking$3.9M$2.8M$3.2M
Supplemental executive retirement plan gain (loss)$631.0K$338.0K-$90.0K
Other income$505.0K$646.0K$680.0K
Total noninterest income$11.3M$9.7M$9.5M
Salaries and employee benefits$22.4M$20.8M$19.3M
Net occupancy expense$1.9M$1.8M$1.8M
Equipment expense$808.0K$849.0K$788.0K
Data processing costs$889.0K$851.0K$733.0K
Loan costs$270.0K$146.0K$390.0K
Professional fees and services$1.1M$1.1M$964.0K
Marketing and donations$1.5M$1.5M$1.3M
Electronic banking expense$504.0K$426.0K$563.0K
Software amortization and maintenance$1.5M$1.3M$1.2M
FDIC insurance$538.0K$563.0K$475.0K
Supplemental executive retirement plan gain (loss)$631.0K$338.0K-$90.0K
Other noninterest expense$2.7M$2.7M$2.4M
Total noninterest expense$34.8M$32.4M$29.9M
Income before income taxes$14.6M$12.8M$10.8M
Income taxes$3.2M$2.9M$2.2M
Net income (loss)$11.4M$9.9M$8.6M
Less: Net income attributable to noncontrolling interest-$565.0K-$566.0K-$565.0K
Net income attributable to Uwharrie Capital Corp and common shareholders$10.8M$9.3M$8.0M
Basic$1.49$1.26$1.06
Diluted$1.49$1.26$1.06
Basic7.2M shares7.4M shares7.6M shares
Diluted7.2M shares7.4M shares7.6M shares

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Corporate structure

UWHARRIE CAPITAL CORP sits at the top of its group. 7 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

  • UWHARRIE CAPITAL CORP Albemarle, North Carolina, United States
    • Uwharrie Bank Albemarle, North Carolina, United States
    • BOS Agency, Inc. Subsidiary · North Carolina, United States
    • Gateway Mortgage, Inc. Subsidiary · North Carolina, United States
    • The Strategic Alliance Corporation Subsidiary · North Carolina, United States
    • Uwharrie Investment Advisors, Inc. Subsidiary · North Carolina, United States
    • Uwharrie Mortgage, Inc. Subsidiary · North Carolina, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC. Each entity in the chart links to its source.

What it owns

What UWHARRIE CAPITAL CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$30.2M10 Dec 31, 2025$29.1M10 Dec 31, 2024+3.7%
Accumulated depreciation$15.5M10 Dec 31, 2025$14.7M10 Dec 31, 2024+5.8%
Property and equipment, net$14.7M10 Dec 31, 2025$14.5M10 Dec 31, 2024+1.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$73.3M10 Dec 31, 2025$52.3M10 Dec 31, 2024+40.3%
Debt securities available for sale$357.7M10 Dec 31, 2025$333.0M10 Dec 31, 2024+7.4%
Debt securities held to maturity$22.0M10 Dec 31, 2025$26.8M10 Dec 31, 2024−18.0%
Equity securities at fair value$303.0K10 Dec 31, 2025$334.0K10 Dec 31, 2024−9.3%
Deposits held (banks)$1.1B10 Dec 31, 2025$1.0B10 Dec 31, 2024+4.9%

Properties, in its own words

The Company’s executive and administrative offices are located at 132 North First Street, Albemarle, North Carolina, where the Company owns a three-building complex located at 130-134 North First Street in Albemarle. This complex houses the Company’s offices and meeting rooms and is also the location of the Bank’s subsidiary, Strategic Alliance.

The Bank’s Main Office has been located at 167 North Second Street, Albemarle, North Carolina since it opened in 1984. The Bank’s credit administration offices and portion of its lending offices occupy an adjoining building, purchased in 1991. The Bank owns a commercial building which houses some of its operations offices and parking lot adjacent to its Main Office. During 2009, the Bank acquired property in downtown Albemarle for future expansion.

The rest of Item 2

The Bank owns its other banking locations at 710 North First Street, which houses the Village Branch, and its East Albemarle Branch at 800 Highway 24-27 Bypass, both located in Albemarle. It also owns a branch office located at 107 South Main Street in Norwood, North Carolina and a branch located at 416 West Main Street in Locust, North Carolina. The Bank leases its branch office at 224 North Main Street in Oakboro, North Carolina.

In Cabarrus County, the Bank owns a full-service branch office located at 25 Palaside Drive, N.E., Concord, North Carolina and leases its branch office at 1490 South Main Street, Mt. Pleasant, North Carolina. In 2023, the Bank purchased 8320 W. Franklin Street, Mt. Pleasant, North Carolina. We intend to use this property as a branch location when leasing of the current Mt. Pleasant branch office is discontinued. The Bank owns an office at 700 North Church Street in Concord, North Carolina where it previously provided banking services, which currently serves as a loan production office.

In Anson County, the Bank owns its banking facility located at 211 South Greene Street, Wadesboro, North Carolina and also owns an ATM site at 426 East Caswell Street, Wadesboro, North Carolina. In 2006, the Bank purchased a lot in Anson County for a future branch location.

In Randolph County, the Bank leases its loan production office located at 222 Sunset Avenue, Suite 101, Asheboro, North Carolina. Uwharrie Investment Advisors leases suites 107 and 108 at the same location for an additional wealth advisory office.

In Mecklenburg County, the Bank leases its loan production office located at 141 Providence Road, Charlotte, North Carolina and leases its banking facility located at 5231 Piper Station Drive, Suite 100, Charlotte, North Carolina.

All of the Bank’s existing offices are fully equipped and have adequate parking and drive-up banking facilities, with the exception of the Bank’s loan production offices, the Main Office in Albemarle, and the banking facility in Charlotte, which do not have drive-up facilities.

Item 2 of the 10-K filed Mar 5, 2026.5

Leadership

Who has led UWHARRIE CAPITAL CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Christy D. Stoner2006–now
  2. Jimmy L. Strayhorn2006–2010
  3. Patricia K. Horton2006–2013
  4. Roger L. Dick2006–now
  5. Willie D. Lawhon Jr.2006–2013

President

  1. Robert B. Brannan Iii.2006
  2. Roger L. Dick2006–2010
  3. Dana A. Maness2010–2013
  4. Patricia K. Horton2013
  5. Willie D. Lawhon Jr.2013
  6. Christy D. Stoner2021–now
  7. Jeffrey L. Trout2021–now

Chief financial officer

  1. Virginia R. Dunn2006
  2. Robert O. Bratton2008–2012
  3. R. David Beaver Iii.2013–2022
  4. Heather H. Almond2022–now
2010201520202025
Board members and other officers (61)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • BOS Agency, Inc. North Carolina4
  • Gateway Mortgage, Inc. North Carolina4
  • The Strategic Alliance Corporation North Carolina4
  • Uwharrie Bank North Carolina4
  • Uwharrie Investment Advisors, Inc. North Carolina4
  • Uwharrie Mortgage, Inc. North Carolina4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • STANLY CAPITAL CORPSep 17, 1996 to Mar 31, 19973

Timeline

  1. Aug 21, 20268-K Results of operations90
  2. Jul 22, 20268-K Results of operations91
  3. May 22, 20268-K Results of operations92
  4. May 20, 20268-K Shareholder vote93
  5. Apr 27, 20268-K Results of operations94
  6. Feb 10, 20268-K Results of operations95
  7. Nov 21, 20258-K Results of operations96
  8. Oct 29, 20258-K Results of operations; Other events97
  9. Aug 22, 20258-K Results of operations98
  10. Jul 25, 20258-K Results of operations99
  11. May 22, 20258-K Results of operations100
  12. May 21, 20258-K Shareholder vote101
  13. Sep 15, 2006New chief executive Willie D. Lawhon Jr. becomes CEO18
  14. Sep 15, 2006New chief executive Roger L. Dick becomes CEO17
  15. Sep 15, 2006New chief executive Patricia K. Horton becomes CEO16
  16. Sep 15, 2006New chief executive Jimmy L. Strayhorn becomes CEO15
  17. Sep 15, 2006New chief executive Christy D. Stoner becomes CEO14
  18. Feb 24, 1993Founded UWHARRIE CAPITAL CORP is founded2

Calendar

When it reported results

  1. Aug 21, 2026Reported quarterly or annual results90
  2. Jul 22, 2026Reported quarterly or annual results91
  3. May 22, 2026Reported quarterly or annual results92
  4. Apr 27, 2026Reported quarterly or annual results94
  5. Feb 10, 2026Reported quarterly or annual results95
  6. Nov 21, 2025Reported quarterly or annual results96
  7. Oct 29, 2025Reported quarterly or annual results97
  8. Aug 22, 2025Reported quarterly or annual results98

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

502 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 47 major events, 409 insider forms, 26 other. The latest 20:

  1. Sep 29, 20264 EDGAR
  2. Sep 24, 20264 EDGAR
  3. Aug 21, 20268-K EDGAR
  4. Aug 19, 20264 EDGAR
  5. Aug 11, 202610-Q EDGAR
  6. Aug 6, 20264 EDGAR
  7. Jul 22, 20268-K EDGAR
  8. Jul 14, 202611-K EDGAR
  9. Jun 29, 2026NT 11-K EDGAR
  10. Jun 29, 20264 EDGAR
  11. Jun 18, 20264 EDGAR
  12. Jun 18, 20264 EDGAR
  13. Jun 18, 20264 EDGAR
  14. Jun 18, 20264 EDGAR
  15. Jun 18, 20264 EDGAR
  16. Jun 18, 20264 EDGAR
  17. Jun 18, 20264 EDGAR
  18. Jun 18, 20264 EDGAR
  19. Jun 18, 20264 EDGAR
  20. Jun 18, 20264 EDGAR

The 502 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

16 open-market trades by officers, directors and large owners since October 2021: 15 buys and 1 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 19, 2026Beaver R David IIIChief Risk OfficerSale6,981$14.78$103.2KForm 4
Dec 31, 2025DICK ROGER LPresident/CEO of UCCBuy889$10.95$9.7KForm 4
Dec 15, 2025Swaringen S ToddDirectorBuy160$10.50$1.7KForm 4
Dec 15, 2025Swaringen S ToddDirectorBuy160$10.50$1.7KForm 4
Nov 4, 2024Trout Jeffrey LPresident UB MortgageBuy140$7.98$1.1KForm 4
Sep 30, 2024Trout Jeffrey LPresident UB MortgageBuy250$8.00$2.0KForm 4
Mar 13, 2023Bates Aaron DavidDirectorBuy640$7.85$5.0KForm 4
Dec 28, 2022STONER CHRISTY DPresident & CEO UIA & CMO UCCBuy4,000$9.28$37.1KForm 4
Dec 28, 2022Almond Heather HChief Financial OfficerBuy591$7.75$4.6KForm 4
Aug 12, 2022DICK ROGER LPresident/CEO of UCCBuy400$6.99$2.8KForm 4
Aug 4, 2022DICK ROGER LPresident/CEO of UCCBuy2,680$7.71$20.7KForm 4
Jun 24, 2022DICK ROGER LPresident/CEO of UCCBuy5,585$7.50$41.9KForm 4
Mar 4, 2022Andrew Jason RChief Operations OfficerBuy512$9.76$5.0KForm 4
Mar 4, 2022Andrew Jason RChief Operations OfficerBuy512$9.76$5.0KForm 4
Mar 4, 2022Almond Heather HChief Financial OfficerBuy570$9.76$5.6KForm 4
Dec 8, 2021DICK ROGER LPresident/CEO of UCCBuy989$9.23$9.1KForm 4

From Forms 4 filed with the SEC.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jeffery L. Trout,$100.0K$781.9K102
2025Roger L. Dick,$396.9K$749.3K102
2025R. David BeaverIII,$304.5K$523.6K102
2024President of Uwharrie$100.0K$733.6K102
2024President and Chief$381.7K$712.0K102
2024Chief Risk Officer$292.0K$501.0K102

SEC filer profile

How UWHARRIE CAPITAL CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARUWHARRIE CAPITAL CORP1
  • CIK0000898171
  • Employer ID (EIN)56-18142065
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company5
  • Incorporated inNorth Carolina5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address132 North First Street, Po Box 338, Albemarle, NC 280011
  • Mailing addressP O Box 338, Albemarle, NC 28002-03381
  • Phone70498361811
  • Shares outstanding7,089,015 as of Aug 10, 202612
  • Public float$61.6M as of Jun 30, 20255
  • AuditorForvis Mazars, LLP, Asheville, North Carolina PCAOB ID 686; no auditor attestation of internal control over financial reporting5
  • On EDGAR sinceJul 25, 19961
  • Filings1,556 in all: 4 (1,059), 8-K (196), 3 (72), 10-Q (65), DEF 14A (30), 10QSB (26), 10-K (21), DEFA14A (15)1
    All 29 form types

    4/A (14), 10KSB (9), SC 13G/A (6), PRE 14A (5), 11-K (4), 3/A (4), ARS (4), D (4), S-8 (3), SB-2/A (3), 10QSB/A (2), 5 (2), 8-K/A (2), NT 11-K (2), S-8 POS (2), REGDEX (1), REGDEX/A (1), S-2 (1), S-2/A (1), SB-2 (1), SC 13G (1)

  • Latest filingsAnnual report (10-K) Mar 5, 2026
    Quarterly report (10-Q) Aug 11, 2026
    Proxy statement (DEF 14A) Apr 9, 2026
    Latest 8-K (8-K) Aug 21, 2026

Securities registered for trading

ClassSymbolExchange
COMMON STOCK, PAR VALUE $1.25 PER SHAREUWHRNASDAQ

From the cover page of the 10-K filed Mar 5, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

Legal proceedings

In the ordinary course of operations, the Company and the Bank are at times involved in legal proceedings. In the opinion of management, as of December 31, 2025 there are no material pending legal proceedings to which the Company, or any of its subsidiaries, is a party, or of which any of their property is the subject.

The opening of Item 3, Legal Proceedings.5

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