# EDGAR Filing Document

**Accession Number:** 0000898171
**File Stem:** 0001193125-26-044340
**Filing Date:** 2026-2
**Character Count:** 8212
**Document Hash:** 516803db48f3e2cb0488ea1a9858279e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-044340.hdr.sgml**: 20260210

**ACCESSION NUMBER**: 0001193125-26-044340

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20260210

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20260210

**DATE AS OF CHANGE**: 20260210

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** UWHARRIE CAPITAL CORP
- **CENTRAL INDEX KEY:** 0000898171
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 561814206
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-22062
- **FILM NUMBER:** 26615180

**BUSINESS ADDRESS:**
- **STREET 1:** 132 NORTH FIRST STREET
- **STREET 2:** PO BOX 338
- **CITY:** ALBEMARLE
- **STATE:** NC
- **ZIP:** 28001
- **BUSINESS PHONE:** 7049836181

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 338
- **CITY:** ALBEMARLE
- **STATE:** NC
- **ZIP:** 28002-0338

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** STANLY CAPITAL CORP
- **DATE OF NAME CHANGE:** 19930303

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** February 10, 2026<br>

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Uwharrie Capital Corp

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| North Carolina | 000-22062 | 56-1814206 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 132 North First Street |  |  |
| Albemarle**,** North Carolina |  | 28001 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** 704 983-6181<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | | |
|:---|:---|:---|
| **<br>Title of each class** | **Trading<br>Symbol(s)** | **<br>Name of each exchange on which registered** |
| None | N/A | N/A |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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**Item 2.02 Results of Operations and Financial Condition.** 

On February 10, 2026, Uwharrie Capital Corp (the "Registrant") announced financial results for the period ended December 31, 2025. The Registrant reported consolidated total assets of $1.20 billion at December 31, 2025, compared to $1.13 billion at December 31, 2024.

Net income for the twelve-month period ended December 31, 2025, was $11.4 million versus $9.9 million for the same period in 2024. For the twelve months ended December 31, 2025, net income available to common shareholders was $10.8 million, or $1.49 per share, compared to $9.3 million, or $1.26 per share, for the twelve months ended December 31, 2024. Net income available to common shareholders takes into consideration the payment of dividends on preferred stock issued by the Registrant.

A copy of the press release (the "Press Release") announcing the Registrant's results is attached as Exhibit 99.1 and incorporated by reference herein.

This Current Report on Form 8-K (including information included or incorporated by reference herein) may contain, among other things, certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, (i) statements regarding certain of the Registrant's goals and expectations with respect to earnings, income per share, revenue, expenses and the growth rate in such items, as well as other measures of economic performance, including statements relating to estimates of credit quality trends, and (ii) statements preceded by, followed by or that include the words "may," "could," "should," "would," "believe," "anticipate," "estimate," "expect," "intend," "plan," "projects," "outlook" or similar expressions. These statements are based upon the current belief and expectations of the Registrant's management and are subject to significant risks and uncertainties that are subject to change based on various factors (many of which are beyond the Registrant's control).

**Item 9.01 Financial Statements and Exhibits.** 

(d) Exhibits

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| | |
|:---|:---|
| **Exhibit**<br>**Number** | **Description** |
| 99.1 | [<u>Press Release dated February 10, 2026</u>](uwhr-ex99_1.htm) |
| 104  | Cover page interactive data file (embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

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| | | |
|:---|:---|:---|
|  | **UWHARRIE CAPITAL CORP** | **UWHARRIE CAPITAL CORP** |
| Date: February 10, 2026 | By: | /s/ Heather H. Almond |
|  |  | **Heather H. Almond** |
|  |  | **Principal Financial Officer** |

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## Exhibit 99.1

**Exhibit 99.1**

![img205731513_0.jpg](img205731513_0.jpg)

**Year-End 2025 - Earnings Release**

FOR IMMEDIATE RELEASE

From: Roger Dick

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Uwharrie Capital Corp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;704-983-6181

Date: February 10, 2026

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Albemarle, NC - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.20 billion at December 31, 2025, versus $1.13 billion at December 31, 2024, a $68 million, or 6%, increase for the year. The increase was primarily due to growth in customer deposits across multiple deposit product sectors.

Net income for the twelve-month period ended December 31, 2025, was $11.4 million versus $9.9 million for the same period in 2024. For the twelve months ended December 31, 2025, net income available to common shareholders was $10.8 million, or $1.49 per share, compared to $9.3 million, or $1.26 per share, for the twelve months ended December 31, 2024. Net income available to common shareholders takes into consideration the payment of dividends on preferred stock issued by the Company.

The improvement in year-over-year net income of $1.5 million, or 15%, is attributable to growth in margin from an increase in loans held by the Company, while maintaining appropriate credit quality levels.

Contact Roger Dick, Chief Executive Officer, at 704-983-6181 for further information.

*About Uwharrie Capital Corp*

Uwharrie Capital Corp offers a full range of financial solutions through its subsidiaries: Uwharrie Bank and Uwharrie Investment Advisors. Additional information on Uwharrie Capital Corp may be found at <u>www.Uwharrie.com</u> or by calling 704-982-4415.

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