#United States #Financial Growth #Uwharrie Capital #Uwharrie Bank #Albemarle

Overview of Uwharrie Capital Corp's Year-End Earnings

Uwharrie Capital Corp, along with its subsidiary Uwharrie Bank, has recently announced an impressive financial performance for the year ending December 31, 2025. This marks a significant milestone for the Corporation, highlighting its robust growth strategy and successful management of financial resources amid a dynamically evolving economic landscape.

Total Assets and Growth

As of December 31, 2025, Uwharrie Capital reported consolidated total assets amounting to approximately $1.20 billion. This represents a notable increase of $68 million, or 6%, compared to the $1.13 billion recorded at the end of 2024. Such growth in assets largely stems from an uptick in customer deposits across a range of deposit products, indicating increased consumer confidence in the bank’s offerings.

The strategic focus on boosting deposit products has clearly paid off, as evidenced by the growth in total assets, which fortifies the bank's financial standing and positions it for future expansion. The increase reflects not just an effective marketing strategy but also a commitment to enhancing customer relationships and delivering quality service.

Net Income Performance

Uwharrie Capital's net income for the 12-month period ending on December 31, 2025, was reported at $11.4 million, which shows a solid growth compared to the $9.9 million earned in the same timeframe for 2024. Notably, when it comes to net income attributable to common shareholders, the figure rose to $10.8 million, or $1.49 per share, from $9.3 million, or $1.26 per share, in 2024.

This represents a healthy year-over-year increase in net income of $1.5 million or 15%. The improvement can be attributed to enhanced loan margins, underscoring the bank's strength in managing credit quality while expanding its loan portfolio. Such performance not only boosts shareholder confidence but also enhances Uwharrie Capital’s reputation in the financial sector.

Future Outlook

Looking ahead, Uwharrie Capital Corp remains focused on leveraging its financial strength and community engagement for sustainable growth. The bank's commitment to providing a full range of financial solutions will be paramount as it navigates an increasingly competitive market landscape.

In addition to focusing on asset growth and income generation, Uwharrie Capital is set to explore new investment opportunities and develop innovative financial products tailored to meet the evolving needs of its customers. By fostering a culture of excellence and customer-centric services, the bank aims to solidify its market position and expand its customer base.

About Uwharrie Capital Corp

Uwharrie Capital Corp is committed to delivering various financial services through its subsidiaries, including Uwharrie Bank and Uwharrie Investment Advisors. For further information about Uwharrie Capital and its offerings, interested parties can visit www.Uwharrie.com or contact them directly at 704-982-4415.

Conclusion

The year-end results for 2025 highlight Uwharrie Capital Corp's strategic positioning and operational resilience. As the bank continues to prioritize customer deposits and balance sheet fortification, stakeholders can anticipate further growth, enhanced profitability, and continued dedication to community and financial stewardship.