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Uwharrie Capital Corp's Financial Performance in Q2 2025

On July 25, 2025, Uwharrie Capital Corp, along with its subsidiary Uwharrie Bank, revealed its consolidated financial results for the second quarter of 2025. The institution reported consolidated total assets amounting to $1.17 billion as of June 30, 2025. This figure marks a notable increase from $1.13 billion reported on December 31, 2024, showcasing the bank's robust asset growth.

In terms of profitability, Uwharrie Capital's net income for the first half of 2025 reached $5.4 million, representing a rise from $4.6 million recorded in the same timeframe of 2024. When factoring in the returns available to common shareholders, the net income stood at $5.1 million or $0.72 per share—a significant increase compared to last year’s net income of $4.3 million or $0.60 per share. This adjustment accounts for dividends paid on preferred stock issued by the Bank, reflecting Uwharrie's commitment to maximizing shareholder returns.

The Bank’s performance for the second quarter alone mirrors this positive trend. The three-month period ending June 30, 2025, saw net income of $2.8 million, a growth from $2.2 million in Q2 2024. Moreover, net income available to common shareholders was $2.7 million or $0.38 per share, compared to $2.1 million or $0.29 per share for the same quarter the previous year.

These impressive financial figures indicate not only Uwharrie's resilience in a competitive marketplace but also the effectiveness of its business strategy, which focuses on sustainable growth and prudent financial management. The increase in total assets is attributable to the organization’s expansion strategies and increasing customer base across North Carolina.

Uwharrie Capital Corp delivers an extensive range of financial solutions via its subsidiaries, Uwharrie Bank and Uwharrie Investment Advisors. Detailed information about their services, including banking and investment options, can be accessed through their website, Uwharrie.com, or by reaching out directly at 704-982-4415.

Overall, Uwharrie Capital Corp's Q2 earnings report illustrates its solid financial standing and highlights the effective operational strategies that keep it moving toward greater success. Investors and stakeholders can clearly see the positive trajectory this organization is on, cementing its place as a significant player in the financial sector.

Looking ahead, analysts and market participants will be keen to observe how Uwharrie Capital will continue to navigate through an evolving economic landscape, especially with the ongoing fluctuations in interest rates and regulatory changes affecting the banking industry. As they strive to build upon this quarter's achievements, institutions like Uwharrie Bank will likely employ innovative solutions aimed at maintaining and enhancing their competitive edge.