Uwharrie Capital Corp
Uwharrie Capital Corp operates as the bank holding company for Uwharrie Bank that provides commercial banking services to individuals and small to medium-sized businesses in North Carolina. It accepts personal and commercial checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company's loan portfolio comprises commercial loans and… Read more
Uwharrie Capital Corp - Asset Resilience Ratio
Uwharrie Capital Corp (UWHR) has an Asset Resilience Ratio of 0.18% as of June 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2011–2024)
This chart shows how Uwharrie Capital Corp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Uwharrie Capital Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.10 Million | 0.18% |
| Total Liquid Assets | $2.10 Million | 0.18% |
Asset Resilience Insights
- Limited Liquidity: Uwharrie Capital Corp maintains only 0.18% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Uwharrie Capital Corp Industry Peers by Asset Resilience Ratio
Compare Uwharrie Capital Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Uwharrie Capital Corp (2011–2024)
The table below shows the annual Asset Resilience Ratio data for Uwharrie Capital Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.86% | $9.76 Million | $1.13 Billion | -30.53pp |
| 2023-12-31 | 31.39% | $336.71 Million | $1.07 Billion | -0.46pp |
| 2022-12-31 | 31.85% | $324.68 Million | $1.02 Billion | -3.31pp |
| 2021-12-31 | 35.15% | $330.34 Million | $939.68 Million | +12.02pp |
| 2020-12-31 | 23.14% | $191.51 Million | $827.77 Million | +9.66pp |
| 2019-12-31 | 13.48% | $88.52 Million | $656.79 Million | -0.96pp |
| 2018-12-31 | 14.44% | $91.30 Million | $632.30 Million | +3.53pp |
| 2017-12-31 | 10.91% | $62.87 Million | $576.36 Million | +4.24pp |
| 2016-12-31 | 6.67% | $36.55 Million | $548.23 Million | -4.96pp |
| 2015-12-31 | 11.63% | $61.90 Million | $532.20 Million | +3.15pp |
| 2014-12-31 | 8.48% | $43.98 Million | $518.46 Million | -10.90pp |
| 2013-12-31 | 19.38% | $100.28 Million | $517.32 Million | +6.02pp |
| 2012-12-31 | 13.37% | $72.85 Million | $545.01 Million | +9.34pp |
| 2011-12-31 | 4.02% | $21.20 Million | $526.90 Million | -- |