UWHR / Uwharrie Capital Corp - SEC-arkiveringar, Årsredovisning, Fullmaktsutlåtande

August 22, 2025

Exhibit 99.1 August 22, 2025 Dear Shareholder: At the midpoint of 2025, we find ourselves in an economic environment that continues to present challenges. This quarter brought meaningful opportunities to advance our priorities and further strengthen Uwharrie Capital Corp. We are proud to share that the American Bankers Association reported that Uwharrie Capital Corp ranked #14 nationally in the to

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 22, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL COR

Second Quarter 2025 - Earnings Release

Exhibit 99.1 Second Quarter 2025 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: July 25, 2025 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank (the “Bank”), reported consolidated total assets of $1.17 billion at June 30, 2025, versus $1.13 billion at December 31, 2024. Net income for the six-month period ended June 30, 2

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissi

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 ☐ Transition Report Pursuant to Section 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2024 OR ☐ Transition Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 Commission File Number: 000-22062 A. Full title of the plan and the address of the plan, if different fro

May 22, 2025

Exhibit 99.1 May 22, 2025 Dear Shareholder: As we reflect on the first quarter of 2025, we remain deeply grounded in our mission to serve people first and steward the financial well-being of our communities. The broader banking sector continues to navigate a complex landscape shaped by evolving interest rate dynamics, regulatory scrutiny, and shifting customer expectations. Through it all, your Co

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 28, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

First Quarter 2025 - Earnings Release

Exhibit 99.1 First Quarter 2025 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: April 28, 2025 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank (the “Bank”), reported consolidated total assets of $1.16 billion at March 31, 2025, versus $1.13 billion at December 31, 2024. Net income for the three-month period ended March 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Uwharrie Capital Corp

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Code of Business Conduct and Ethics (including insider trading policies) (filed herewith)

Exhibit 19 Code of Business Conduct and Ethics INTRODUCTION Uwharrie Capital Corp (the “Company”) is a public trust that is dependent on customer and investor confidence.

Subsidiaries of the Registrant (filed herewith)

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2024 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 21, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Year-End 2024 - Earnings Release

Exhibit 99.1 Year-End 2024 - Earnings Release FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: February 21, 2025 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.13 billion at December 31, 2024, versus $1.07 billion at December 31, 2023. Net income for the twelve-month period ended December 31, 2024, was $9

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 04, 2025 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

November 8, 2024

Exhibit 99.1 November 8, 2024 Dear Shareholder: In 2024, we are proudly celebrating our 40th year of operation. Throughout our history, we have likened our organization's growth and development to that of an individual. From navigating the "terrible twos" and the volatile teenage years, through the challenges of young adulthood, we have now reached a stage of maturity at 40. Our financial results

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 08, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 15, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Third Quarter 2024 - Earnings Release and Dividend Declaration

Exhibit 99.1 Third Quarter 2024 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: October 16, 2024 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank (the “Bank”), reported consolidated total assets of $1.18 billion at September 30, 2024, versus $1.07 billion at December 31, 2023. Net income for the n

August 19, 2024

Exhibit 99.1 August 19, 2024 Dear Shareholder: We are pleased to report on the continued growth and development of Uwharrie Capital Corp and its subsidiaries. As of June 30, 2024, our total assets reached $1.1 billion, reflecting an 8.6% growth from June 30, 2023. Our total annualized return on equity improved to 17.6% as of June 30, 2024, up from 16.9% the previous year. Net income available to c

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 19, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL COR

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 19, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissi

Second Quarter 2024 - Earnings Release

Exhibit 99.1 Second Quarter 2024 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: July 19, 2024 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank (the “Bank”), reported consolidated total assets of $1.12 billion at June 30, 2024, versus $1.07 billion at December 31, 2023. Net income for the six-month period ended June 30, 2

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 ☐ Transition Report Pursuant to Section 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2023 OR ☐ Transition Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 Commission File Number: 000-22062 A. Full title of the plan and the address of the plan, if different fro

Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 28, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

May 29, 2024

Exhibit 99.1 May 29, 2024 Dear Shareholder: Our goal is to be a trusted financial partner contributing to the vitality and growth of our areas, ensuring our customers feel supported in their financial journeys and community endeavors. Toward that end, we are pleased to report that as of March 31, 2024, your Company had total assets of $1.10 billion, an increase of $51 million from the previous yea

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 29, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 29, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

First Quarter 2024 - Earnings Release

Exhibit 99.1 First Quarter 2024 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: April 29, 2024 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.10 billion at March 31, 2024, versus $1.07 billion at December 31, 2023. During the first quarter of 2024, the Bank experienced growth in

Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 16, 2024 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

Bylaws of Uwharrie Capital Corp, as amended (Incorporated by reference to Exhibit 3.1 of Registrant’s Current Report on Form 8-K filed with the SEC on April 19, 2024)

Exhibit 3.1 INDEX OF BYLAWS OF UWHARRIE CAPITAL CORP ARTICLE I MISSION AND OBJECTIVES Section 1. Mission Section 2. Objectives ARTICLE II OFFICES Section 1. Principal Office Section 2. Registered Office Section 3. Other Offices ARTICLE III MEETINGS OF SHAREHOLDERS Section 1. Place of Meetings Section 2. Annual Meeting Section 3. Substitute Annual Meeting Section 4. Special Meetings Section 5. Noti

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

Subsidiaries of the Registrant (filed herewith)

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2023 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 21, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Year-End 2023 - Earnings Release

Exhibit 99.1 Year-End 2023 - Earnings Release FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: February 21, 2024 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.07 billion at December 31, 2023, versus $1.02 billion at December 31, 2022. Net income for the twelve-month period ended December 31, 2023, was $8

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 12, 2024 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2023 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

November 17, 2023

Exhibit 99.1 November 17, 2023 Dear Shareholder: As we complete the third quarter of 2023, we are pleased to present you with an update that underscores the strength and stability of our financial position. Your Company has continued to grow in assets and deepen its community ties, reflecting our collective commitment to a prosperous future for all stakeholders. Over the past year, from September

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 17, 2023 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Third Quarter 2023 - Earnings Release and Dividend Declaration

Exhibit 99.1 Third Quarter 2023 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: October 18, 2023 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.07 billion at September 30, 2023, versus $1.02 billion at December 31, 2022. Net income for the nine-month per

August 25, 2023

Exhibit 99.1 August 25, 2023 Dear Shareholder: Your Company concluded the first half of 2023 showing continued improvement in core bank earnings with a strong liquidity position. Uwharrie Capital Corp and its subsidiaries reported total assets of $1.03 billion at June 30, 2023, an increase of 4.3% over the $991 million reported for June 30, 2022. We are not putting all of our assets in one categor

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 25, 2023 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL COR

Second Quarter 2023 - Earnings Release

Exhibit 99.1 Second Quarter 2023 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: August 1, 2023 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank (the “Bank”), reported consolidated total assets of $1.03 billion at June 30, 2023, versus $1.02 billion at December 31, 2022. During the first six months of 2023, the Bank exper

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 01, 2023 Uwharrie Capital Corp (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 ☐ Transition Report Pursuant to Section 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 11-K ☒ Annual Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 OR ☐ Transition Report Pursuant to Section 15(d) of the Securities Exchange Act of 1934 Commission File Number: 000-22062 A. Full title of the plan and the address of the plan, if different fro

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check One) ☐ Form 10-K ☐ Form 20-F ☒ Form 11-K ☐ Form 10-Q ☐ Form 10-D ☐ Form N-SAR ☐ Form N-CSR For Period Ended: December 31, 2022 ☐ Transition Report on Form 10-K ☐ Transition Report on Form 20-F ☐ Transition Report on Form 11-K ☐ Transition Report on Form 10-Q ☐ Transition Report on

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 24, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

May 24, 2023

Exhibit 99.1 May 24, 2023 Dear Shareholder: Our Company was formed 40 years ago on April 26, 1983, with the vision of creating a financial institution for the people, by the people. We were focused on building and enriching local economies by retaining control of our local wealth; helping our neighbors obtain a quality of life that promotes values and inspires us to care for one another. It was ou

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 UWHARRIE CAPITAL COR

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 16, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CO

First Quarter 2023 - Earnings Release

Exhibit 99.1 First Quarter 2023 - Earnings Release FOR IMMEDIATE RELEASE From: Heather H. Almond Uwharrie Capital Corp 704-983-6181 Date: April 27, 2023 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.05 billion at March 31, 2023, versus $1.02 billion at December 31, 2022. During the first quarter of 2023, the Bank experienced strong gr

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 UWHARRIE CAPITAL C

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

Subsidiaries of the Registrant

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2022 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

Year-End 2022 - Earnings Release

Exhibit 99.1 Year-End 2022 - Earnings Release FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: February 27, 2023 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.02 billion at December 31, 2022, versus $939.7 million at December 31, 2021. Net income for the twelve-month period ended December 31, 2022, was $

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 27, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 17, 2023 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

November 16, 2022

Exhibit 99.1 November 16, 2022 Dear Shareholder: Your Company has grown to $1.04 billion in total assets as of September 30, 2022, an increase of $118 million from the same period in 2021. We have experienced continued deposit growth due to monetary policy and government intervention in response to COVID. While growth in average balances of existing customer households contributed to 62% of our de

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 31, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 18, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Third Quarter 2022 - Earnings Release and Dividend Declaration

Exhibit 99.1 Third Quarter 2022 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: October 20, 2022 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $1.04 billion at September 30, 2022, versus $939.7 million at December 31, 2021. Net income for the nine-month period en

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 30, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

Second Quarter 2022 - Earnings Release

Exhibit 99.1 Second Quarter 2022 - Earnings Release FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: August 30, 2022 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $991.0 million at June 30, 2022, versus $845.3 million at June 30, 2021. Net income for the six-month period ended June 30, 2022, was $2.5 millio

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 19, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

August 19, 2022

Exhibit 99.1 August 19, 2022 Dear Shareholder: As talks of recession grow, your Company continues to maintain a healthy balance sheet with a strong base of core earnings. Our assets have continued to grow, reaching $991 million as of June 30, 2022, compared to $845 million for the same period in 2021, a 17% increase year-over-year. The loan portfolio has grown $26 million year-over-year, which inc

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL COR

Financial Statements and Exhibits, Changes in Registrant's Certifying Accountant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

June 2, 2022

Exhibit 16.1 June 2, 2022 U.S. Securities and Exchange Commission 100 F Street, NE Washington, DC 20549 Ladies and Gentlemen: We have read Item 4.01 of Form 8-K dated June 2, 2022 of Uwharrie Capital Corp and are in agreement with the statements therein concerning Dixon Hughes Goodman LLP, BKD, LLP and FORVIS, LLP. We have no basis to agree or disagree with other statements of the registrant conta

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 20, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

May 20, 2022

Exhibit 99.1 May 20, 2022 Dear Shareholder: We are pleased to report to you the continued growth in your Company through March 31, 2022. Assets have reached an all-time high of $974 million compared to $833 million for the same period in 2021, a 17% increase year-over-year. Asset quality continues to be strong and we remain diligent in our underwriting standards as we head into a period of uncerta

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 10, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CO

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

Subsidiaries of the Registrant

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2021 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 28, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Year-End 2021 - Earnings Release

Exhibit 99.1 Year-End 2021 - Earnings Release FOR IMMEDIATE RELEASE From: Roger Dick Uwharrie Capital Corp 704-983-6181 Date: February 28, 2022 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $939.7 million at December 31, 2021, versus $827.8 million at December 31, 2020. Net income for the twelve-month period ended December 31, 2021, was

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 1, 2022 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

Uwharrie Capital Corp Employees 401(k) Retirement Plan – Amendment for CARES Act

Exhibit 99.4 AMENDMENT FOR CARES ACT ARTICLE 1 PREAMBLE; DEFINITIONS 1.1 Adoption of Amendment. The Employer adopts this Amendment to implement provisions of the Act which affect the Plan. All references to the Plan include the Plan?s loan program, policy, or procedure to the extent applicable. 1.2 Superseding of inconsistent provisions. This Amendment supersedes the provisions of the Plan to the

Uwharrie Capital Corp Employees 401(k) Retirement Plan – Amendment for SECURE Act

Exhibit 99.3 AMENDMENT FOR SECURE ACT ARTICLE 1 PREAMBLE 1.1 Adoption and effective date of Amendment. The Employer hereby adopts this Amendment to the Plan identified below. Except as otherwise specified in this Amendment, this Amendment is effective (?the Effective Date?) on the first day of the first Plan Year beginning after December 31, 2019, or as soon as administratively feasible thereafter

Uwharrie Capital Corp Employees 401(k) Retirement Plan – Plan Document

Exhibit 99.2 DWC ? THE 401(K) EXPERTS DEFINED CONTRIBUTION PRE-APPROVED PLAN TABLE OF CONTENTS ARTICLE I, DEFINITIONS 1.01 Account 1 1.02 Account Balance or Accrued Benefit 1 1.03 Accounting Date 1 1.04 Adoption Agreement 1 1.05 Alternative Annuity 1 1.06 Annuity Contract 1 1.07 Annuity Starting Date 2 1.08 Appendix 2 1.09 Beneficiary 2 1.10 Code 2 1.11 Compensation 2 1.12 Contribution Types 5 1.1

As filed with the Securities and Exchange Commission on December 23, 2021

As filed with the Securities and Exchange Commission on December 23, 2021 Registration Statement No.

Uwharrie Capital Corp Employees 401(k) Retirement Plan – Amendment Number Three

EX-99.5 7 d258524dex995.htm EX-99.5 Exhibit 99.5 AMENDMENT NUMBER THREE UWHARRIE CAPITAL CORP EMPLOYEES 401(K) RETIREMENT PLAN BY THIS AGREEMENT, the Uwharrie Capital Corp Employees 401(k) Retirement Plan (herein referred to as the “Plan”) is hereby amended as follows, effective as of January 1, 2022: 1. Election AC10 of the Administrative Checklist of the Adoption Agreement is amended as follows:

Uwharrie Capital Corp Employees 401(k) Retirement Plan – Adoption Agreement

EX-99.1 3 d258524dex991.htm EX-99.1 Exhibit 99.1 UWHARRIE CAPITAL CORP EMPLOYEES 401(K) RETIREMENT PLAN Non-Standardized Defined Contribution - PPD ADOPTION AGREEMENT #001 NON- STANDARDIZED DEFINED CONTRIBUTION PRE-APPROVED PLAN The undersigned Employer, by executing this Adoption Agreement, establishes a retirement plan (collectively “Plan”) under the DWC - The 401(k) Experts Defined Contribution

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

November 16, 2021

Exhibit 99.1 November 16, 2021 Dear Shareholder: We are pleased to report to you year-to-date results, a record year in the making. By the end of the third quarter of 2021, we have surpassed the total earnings of 2020. Net income for the first nine months of 2021 was $8.9 million, as compared to $3.5 million for the same nine month period in 2020. This equates to $8.4 million in net income availab

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

Third Quarter 2021 - Earnings Release and Dividend Declaration

Exhibit 99.1 Third Quarter 2021 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: October 21, 2021 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $921.0 million at September 30, 2021, versus $827.8 million at December 31, 2020. Net income for the nine-month period

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 21, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Form of 10-Year Subordinated Note

Exhibit 4.1 SUBORDINATED NOTE UWHARRIE CAPITAL CORP 3.50% FIXED-TO-FLOATING RATE Subordinated Note due September 3, 2031 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF UWHARRIE CAPITAL CORP (THE ?COMPANY?), INCLUDING OBLIGATIONS OF THE COMPANY TO ITS GENERAL CREDITORS

Form of 15-Year Subordinated Note

Exhibit 4.2 SUBORDINATED NOTE UWHARRIE CAPITAL CORP 4.00% FIXED-TO-FLOATING RATE Subordinated Note due September 3, 2036 THE INDEBTEDNESS EVIDENCED BY THIS SUBORDINATED NOTE IS SUBORDINATED AND JUNIOR IN RIGHT OF PAYMENT TO SENIOR INDEBTEDNESS (AS DEFINED IN SECTION 3 OF THIS SUBORDINATED NOTE) OF UWHARRIE CAPITAL CORP (THE “COMPANY”), INCLUDING OBLIGATIONS OF THE COMPANY TO ITS GENERAL CREDITORS

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 3, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Form of 15-Year Subordinated Note Purchase Agreement

Exhibit 10.2 15-Year Maturity SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this ?Agreement?) is dated as of September 3, 2021, and is made by and among Uwharrie Capital Corp, a North Carolina corporation (the ?Company?), and the purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a ?Purchaser? and collectively,

Form of 10-Year Subordinated Note Purchase Agreement

Exhibit 10.1 10-Year Maturity SUBORDINATED NOTE PURCHASE AGREEMENT This SUBORDINATED NOTE PURCHASE AGREEMENT (this “Agreement”) is dated as of September 3, 2021, and is made by and among Uwharrie Capital Corp, a North Carolina corporation (the “Company”), and the purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a “Purchaser” and collectively,

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 20, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

August 20, 2021

Exhibit 99.1 August 20, 2021 Dear Shareholder: The second quarter of 2021 has come to a close and Uwharrie Capital Corp?s continued growth and strong earnings has allowed our mission of making a difference? to continue in the communities we serve. Those communities are de?ned by more than geography, they are de?ned by people who share our values. Our mission is to empower ourselves with the ?nanci

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL COR

Second Quarter 2021 - Earnings Release

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 Second Quarter 2021 - Earnings Release FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: July 23, 2021 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $845.3 million at June 30, 2021, versus $827.8 million at December 31, 2020. Net income for the six-month perio

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20210630.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 23, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdicti

May 17, 2021

Exhibit 99.1 May 17, 2021 Dear Shareholder: A year ago, we wrote to you in the midst of a new pandemic, economic uncertainty and during a period that has forever changed us all. We quoted Winston Churchill in saying “Don’t let a good crisis go to waste” and we are pleased to report that your Company has walked that talk and continues to make a difference in our communities. It is times like this t

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20210517.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 17, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdictio

Submission of Matters to a Vote of Security Holders

8-K 1 uwhr-8k20210511.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 11, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdictio

Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CO

- DEFA14A

DEFA14A 1 uwhr-defa14a20210503.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Com

- DEFA14A REMINDER MAILING

DEFA14A 1 uwhr-defa14a20210413.htm DEFA14A REMINDER MAILING UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, f

The Registrant’s Definitive Proxy Statement on Schedule 14A, filed on April 2, 2021;

DEFA14A 1 uwhr-defa14a20210511.htm DEFA14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Com

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Financial Statements and Exhibits, Other Events

8-K 1 uwhr-8k20210325.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 31, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdict

UWHARRIE CAPITAL CORP ANNOUNCES STOCK REPURCHASE PLAN

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 UWHARRIE CAPITAL CORP ANNOUNCES STOCK REPURCHASE PLAN ALBEMARLE, NC . . . Uwharrie Capital Corp (the “Company”) (OTCQX: UWHR), the holding company for Uwharrie Bank, announced today that its Board of Directors has approved a stock repurchase plan. Under the plan, the Company is authorized to repurchase up to $1 million of its common stock. The Company

Uwharrie Capital Corp Upgrades to Trade Shares on the OTCQX Best Market

Exhibit 99.1 Uwharrie Capital Corp Upgrades to Trade Shares on the OTCQX Best Market ALBEMARLE, NC – March 15, 2021 The common stock of Uwharrie Capital Corp (OTCQX: UWHR), the bank holding company for Uwharrie Bank, began trading today on OTC Markets Group’s OTCQX® Best Market (“OTCQX”). The company qualified to trade on the OTCQX and upgraded from the Pink® market. OTC Markets Group operates fin

Financial Statements and Exhibits, Other Events

8-K 1 uwhr-8k20210315.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 15, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdict

Year-End 2020 - Earnings Release

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 Year-End 2020 - Earnings Release FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: March 12, 2021 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $828 million at December 31, 2020, versus $657 million at December 31, 2019. Net income for the twelve-month period

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 12, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

Annual Report - 10-K

10-K 1 uwhr-10k20201231.htm 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 0

Subsidiaries of the Registrant

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2020 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

2020 Annual Report to Shareholders

Exhibit 13 Uwharrie Capital Corp 2020 ANNUAL REPORT TO SHAREHOLDERS 1 [This page left blank intentionally] 2 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company.

Current Report

8-K 1 uwhr-8k20210119.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2021 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdi

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20201116.htm 8-K SHAREHOLDER LETTER 3Q 2020 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-181

November 16, 2020

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 November 16, 2020 Dear Shareholder: The beginning of autumn always brings some much-anticipated changes, cooler weather, leaves changing color and much more. The year 2020 has brought about widespread change and most of us have come to accept some level of daily repetition. Some of us stay in the same place for both work and non-work, and weekdays ble

Quarterly Report - 10-Q

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CA

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

Third Quarter 2020 - Earnings Release and Dividend Declaration

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 Third Quarter 2020 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: October 22, 2020 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $792 million at September 30, 2020, versus $657 million at December 31, 2019. Net in

August 18, 2020

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 August 18, 2020 Dear Shareholder: Your Company continues to evolve and adapt to forced changes from COVID-19. We like to equate the current planning and forecasting environment to driving a car through fog: you move carefully and re-evaluate the situation frequently so you are able to adjust as needed to uncontrollable factors as they present themselv

Financial Statements and Exhibits, Results of Operations and Financial Condition - 8-K SHAREHOLDER LETTER 2Q 2020

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 18, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

Quarterly Report - 10-Q

10-Q 1 uwhr-10q20200630.htm 10-Q ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE

Second Quarter 2020 - Earnings Release

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 Second Quarter 2020 - Earnings Release FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: July 24, 2020 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $748.2 million at June 30, 2020, versus $656.8 million at December 31, 2020. Net income for the six-month perio

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20200724.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdicti

Current Report

8-K 1 uwhr-8k20200519.htm 8-K DIRECTOR APPOINTMENT UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 19, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State

May 15, 2020

Exhibit 99.1 May 15, 2020 Dear Shareholder: The first quarter of 2020 will permanently be remembered as a period of change. Covid-19 has brought many changes to our communities, affecting the ways we live, work and interact. Roughly 40% of our team is currently working from home, and we have become more accustomed to online meetings and conference calls. While our customers are adapting to accessin

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20200515.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 15, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdictio

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 12, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissio

Quarterly Report - 10-Q

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

Other Events

8-K 1 uwhr-8k20200327.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 27, 2020 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdict

UWHR / Uwharrie Capital Corp DEF 14A - - DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)

Articles of Amendment effective April 24, 1997

EXHIBIT 3.3 ARTICLES OF AMENDMENT OF STANLY CAPITAL CORP The undersigned corporation hereby submits these Articles of Amendment for the purpose of amending its Articles of Incorporation: 1. The name of the corporation is Stanly Capital Corp. 2. The Articles of Incorporation of the corporation are hereby amended by deleting Article I thereof and inserting in lieu thereof the following Article I: “T

Subsidiaries of the Registrant

EX-21 5 uwhr-ex219.htm EX-21 Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2019 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc. North Carolina Uwharrie Mortgage, Inc. North Carolina Subsidiaries of Uwharrie Bank State of Incorporation The Strategic Alliance Corporation North Carolina BOS

UWHR / Uwharrie Capital Corp 10-K - Annual Report - 10-K

10-K 1 uwhr-10k20191231.htm 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 0

2019 Annual Report to Shareholders

Exhibit 13 Uwharrie Capital Corp 2019 ANNUAL REPORT TO SHAREHOLDERS 1 [This page left blank intentionally] 2 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company.

Description of Registrant’s Securities Registered under Section 12 of the Exchange Act

EX-4.2 3 uwhr-ex4266.htm EX-4.2 Exhibit 4.2 description of the registrant’s securities registered UNDER section 12 of the securities exchange act of 1934 The following description sets forth certain material terms and provisions of the securities of Uwharrie Capital Corp (the “Company,” “we,” “us,” or “our”), that are registered under Section 12 of the Securities Exchange Act of 1934. The followin

November 13, 2019

Exhibit 99.1 November 13, 2019 Dear Shareholder: Financial results so far year-to-date are beating our expectations and reflect a lot of hard work on the behalf of our dedicated staff as they continue working together to fulfill our mission. We are pleased to report to you that net income for the first nine months of 2019 was $2.6 million, as compared to $1.3 million for the same nine month period

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20191113.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 13, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisd

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 12, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Dividend Declaration

Exhibit 99.1 Dividend Declaration FOR IMMEDIATE RELEASE From: R. David Beaver, III Uwharrie Capital Corp 704-991-1266 Date: November 12, 2019 Albemarle - Uwharrie Capital Corp, parent company of Uwharrie Bank, Board of Directors has declared a 2% stock dividend to be paid to common stock shareholders on December 9, 2019. Shareholders of Uwharrie Capital Corp, as of the record date November 25, 201

UWHR / Uwharrie Capital Corp 10-Q - Quarterly Report - 10-Q

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CA

Third Quarter 2019 - Earnings Release

Exhibit 99.1 Third Quarter 2019 - Earnings Release FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: October 22, 2019 Albemarle, NC - Uwharrie Capital Corp (OTC: UWHR) and its subsidiary, Uwharrie Bank, reported consolidated total assets of $661 million at September 30, 2019, versus $637 million at September 30, 2018. Net income for the nine-month period ended Septe

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20191022.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdi

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20190827.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdic

August 27, 2019

Exhibit 99.1 August 27, 2019 Dear Shareholder: It seems weekly economic headlines in the news media vacillate widely from euphoria to panic. Nevertheless, the U. S. economy has officially entered the longest expansion in its history. During this period of prosperity however, numerous community banks in the Carolinas gave up and sold out. Our response was to take on the challenge of keeping your co

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20190814.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 14, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdic

Second Quarter 2019 - Earnings Release

Exhibit 99.1 Second Quarter 2019 - Earnings Release FOR IMMEDIATE RELEASE From: David Beaver Uwharrie Capital Corp 704-991-1266 Date: August 14, 2019 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $627 million at June 30, 2019, versus $614 million at June 30, 2018. Net income for the six-month period ended June 30, 2019, was $1.6 million

UWHR / Uwharrie Capital Corp 10-Q - Quarterly Report - 10-Q

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL

Current Report

8-K 1 uwhr-8k20190630.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 30, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdicti

June 7, 2019

Exhibit 99.1 June 7, 2019 Dear Shareholder: We are pleased to report to you a successful first quarter of operations for Uwharrie Capital Corp and its subsidiaries. Your company reported total assets of $655 million as of March 31, 2019, compared to $602 million on March 31, 2018, nearly a 9% growth rate. Capital has improved over the last year by $2.6 million as we have had an improvement in the

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20190607.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 7, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdictio

Submission of Matters to a Vote of Security Holders

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 14, 2019 Uwharrie Capital Corp (Exact name of registrant as specified in its charter) North Carolina 000-22062 56-1814206 (State or other jurisdiction of incorporation) (Commis

UWHR / Uwharrie Capital Corp 10-Q Quarterly Report 10-Q

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

###

Exhibit 99.1 FOR IMMEDIATE RELEASE For information, contact: Roger Dick (704) 991-1136; [email protected] ALBEMARLE, NC. April 17, 2019 - Roger Dick, President & Chief Executive Officer of Uwharrie Capital Corp, announced the planned retirement of Brendan P. Duffey, Chief Operating Officer of Uwharrie Capital Corp and President & CEO of Uwharrie Bank. Mr. Duffey will be retiring effective January

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 15, 2019 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commiss

UWHR / Uwharrie Capital Corp DEF 14A

DEF 14A 1 uwhr-def14a20190509.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Comm

UWHR / Uwharrie Capital Corp 10-K (Annual Report)

10-K 1 uwhr-10k20181231.htm 10-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 0

2018 Annual Report to Shareholders

Exhibit 13 Uwharrie Capital Corp 2018 ANNUAL REPORT TO SHAREHOLDERS 23 [This page left blank intentionally] 24 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company.

Subsidiaries of the Registrant

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2018 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 20, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

Financial Statements and Exhibits, Results of Operations and Financial Condition

8-K 1 uwhr-8k20181120.htm 8-K SHAREHOLDER LETTER UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 20, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (St

November 20, 2018

Exhibit 99.1 November 20, 2018 Dear Shareholder: We are pleased to report a successful third quarter of operations in 2018 and continued progress for Uwharrie Capital Corp and its subsidiaries. Total assets reached a new milestone at $637 million as of September 30, 2018, an annualized increase of 8% compared to $592 million on December 31, 2017, and our best growth period since the 2007-2008 econ

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

8-K 1 uwhr-8k20181113.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 13, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisd

Third Quarter 2018 - Earnings Release and Dividend Declaration

Exhibit 99.1 Third Quarter 2018 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: CaShaun Miller Uwharrie Capital Corp 704-991-1105 Date: November 13, 2018 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $637 million at September 30, 2018, versus $576 million at December 31, 2017. Net income for the three-month period

UWHR / Uwharrie Capital Corp 10-Q (Quarterly Report)

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CA

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 13, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

August 13, 2018

Exhibit 99.1 August 13, 2018 Dear Shareholder: Your company, Uwharrie Capital Corp, ended the second quarter, June 30, 2018, with total assets of $614 million, an annualized increase of 13.19% compared to December 31, 2017. The asset quality of our balance sheet remains very strong with non-performing assets and past due loans at historically low levels and well below our state banking peers. Uwha

UWHR / Uwharrie Capital Corp 10-Q (Quarterly Report)

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL

Financial Statements and Exhibits, Results of Operations and Financial Condition

uwhr-8k20180530.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 30, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incor

May 30, 2018

Exhibit 99.1 May 30, 2018 Dear Shareholder: There are some very important developments underway in your company. If you attended our Shareholders’ Meeting on May 8, you heard about them in considerable detail. If you were not able to attend, we want to briefly highlight those changes. Your company reported total assets of $601 million at March 31, 2018, compared to $576 million on December 31, 2017

Submission of Matters to a Vote of Security Holders

8-K 1 uwhr-8k20180508.htm 8-K ANNUAL SHAREHOLDERS' MEETING UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206

UWHR / Uwharrie Capital Corp 10-Q (Quarterly Report)

ing UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2018 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITA

UWHR / Uwharrie Capital Corp DEF 14A

DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule

UWHR / Uwharrie Capital Corp 10-K (Annual Report)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

Subsidiaries of the Registrant

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2017 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

2017 Annual Report to Shareholders

Exhibit 13 Uwharrie Capital Corp 2017 ANNUAL REPORT TO SHAREHOLDERS 23 [This page left blank intentionally] 24 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company.

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 8, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commi

From: Nicole Williams

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE From: Nicole Williams Uwharrie Capital Corp 704-991-1276 Date: February 8, 2018 Albemarle – Uwharrie Capital Corp announced financial results for the year ended December 31, 2017. The Company reported consolidated total assets of $576.4 million at December 31, 2017, compared to $548.2 million at December 31, 2016, and increase of

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

uwhr-8k20180116.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 16, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of I

Financial Statements and Exhibits, Other Events

8-K 1 uwhr-8k20180110.htm 8-K PRESS RELEASE UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 10, 2018 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or

Uwharrie Bank Names Brendan Duffey as Chief Executive Officer

uwhr-ex99114.htm Exhibit 99.1 FOR IMMEDIATE RELEASE For information, contact: Nicole M. Williams (704) 991-1276; [email protected] Uwharrie Bank Names Brendan Duffey as Chief Executive Officer ALBEMARLE, NC. January 10, 2018 ? Roger Dick, President and Chief Executive Officer of Uwharrie Capital Corp, the parent company of Uwharrie Bank, announced that Brendan Duffey has been named the bank?s

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 14, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Comm

December 11, 2017

Exhibit 99.1 December 11, 2017 Dear Shareholder: We are pleased to report a successful third quarter of operations and continued development for Uwharrie Capital Corp and its subsidiaries. Our company reported total assets of $592 million as of September 30, 2017, compared to $548 million as of December 31, 2016. This represents 8% growth year-to-date, and is the best growth period we have experie

Third Quarter 2017 - Earnings Release and Dividend Declaration

uwhr-ex9916.htm Exhibit 99.1 Third Quarter 2017 - Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: Nicole Williams Uwharrie Capital Corp 704-991-1276 Date: November 22, 2017 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $592 million at September 30, 2017, versus $548 million at December 31, 2016. Net income for the n

Financial Statements and Exhibits, Results of Operations and Financial Condition, Other Events

uwhr-8k20171121.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 21, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

10-Q 1 uwhr-10q20170930.htm 10-Q 1 UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2017 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FI

August 21, 2017

uwhr-ex9916.htm Exhibit 99.1 August 21, 2017 Dear Shareholders: We are pleased to report to you another successful quarter of growth and development for your company. Uwharrie Capital Corp and its subsidiaries reported total assets of $586 million as of June 30, 2017. This is an increase of 11.5% over the $525 million reported as of June 30, 2016. Total deposits grew $60 million or 13%, for the sa

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 21, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commis

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q

10-Q 1 uwhr-10q20170630.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2017 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMB

June 13, 2017

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 June 13, 2017 Dear Shareholder: Your company continues positive trends in growth and profitability while maintaining our commitment to enhance the well-being of the communities we serve through local investment, job creation and capital deployment. Uwharrie Capital Corp and its subsidiaries reported total assets of $563 million at March 31, 2017, an 8

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 13, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of Incorporation) (Commissi

Submission of Matters to a Vote of Security Holders

8-K 1 uwhr-8k20170509.htm 8-K ANNUAL MEETING UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 9, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Oth

Uwharrie Capital 10-Q (Quarterly Report)

uwhr-10q20170331.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2017 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-2206

Uwharrie Capital DEF 14A

DEF 14A 1 d386431ddef14a.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commissio

Uwharrie Capital 8-K- D WEST NOT RENEWING TERM (Current Report/Significant Event)

uwhr-8k20170119.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 19, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of I

Incorporated by reference to Registrant’s Annual Report on Form 10-K dated December 31, 2016

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2016 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARRIE CAPITAL CORP (E

Uwharrie Capital Corp ANNUAL REPORT TO SHAREHOLDERS [This page left blank intentionally] UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business

uwhr-ex13_630.htm Exhibit 13 Uwharrie Capital Corp 2016 ANNUAL REPORT TO SHAREHOLDERS 22 [This page left blank intentionally] 23 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”), formerly, k

Nonqualified Deferred Compensation Plan and Executive Supplemental Retirement Plan Agreement between Uwharrie Capital Corp and R. David Beaver, III, a compensatory plan

Exhibit 10e Uwharrie Capital Corp NONQUALIFIED DEFERRED COMPENSATION PLAN Executive Supplemental Retirement Plan Agreement This document is drafted with the intent that it comply with Internal Revenue Code Section 409A and regulations promulgated thereunder.

Articles of Amendment effective November 1, 1999

EX-3.(C) 10 uwhr-ex3c421.htm EX-3.(C) Exhibit 3c CORP ID# 0320669 FILED NOV 1 1999 11:25 AM ARTICLES OF AMENDMENT Effective OF ELAINE F. MARSHALL UWHARRIE CAPITAL CORP SECRETARY OF STATE NORTH CAROLINA The undersigned corporation hereby submits these Articles of Amendment for the purpose of amending its Articles of Incorporation: 1. The name of the corporation is Uwharrie Capital Corp. 2. The Arti

Form of common stock certificate

EX-4.(A) 12 uwhr-ex4a419.htm EX-4.(A) Exhibit 4a

Registrant’s By-laws

EX-3.(B) 9 uwhr-ex3b348.htm EX-3.(B) Exhibit 3b BYLAWS OF UWHARRIE CAPITAL CORP (Approved by the UCC Board of Directors 9-17-2013) uwharrie.214 INDEX OF BYLAWS OF UWHARRIE CAPITAL CORP ARTICLE I MISSION AND OBJECTIVES Section 1.Mission Section 2.Objectives ARTICLE II OFFICES Section 1.Principal Office Section 2.Registered Office Section 3.Other Offices ARTICLE III MEETINGS OF SHAREHOLDERS Section

Articles of Amendment effective May 31, 2000

EX-3.(D) 11 uwhr-ex3d420.htm EX-3.(D) Exhibit 3d SOSID: 0320669 ARTICLES OF AMENDMENT Date Filed: 5/31/2000 12:49 PM OF Elaine F. Marshall UWHARRIE CAPITAL CORP North Carolina Secretary of State The undersigned corporation hereby submits these Articles of Amendment for the purpose of amending its Articles of Incorporation: 1. The name of the corporation is Uwharrie Capital Corp. 2. The Articles of

UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2016

Exhibit 21 UWHARRIE CAPITAL CORP SUBSIDIARIES OF THE REGISTRANT At December 31, 2016 Subsidiaries of Uwharrie Capital Corp State of Incorporation Uwharrie Bank North Carolina Uwharrie Investment Advisors, Inc.

Registrant’s Articles of Incorporation

Exhibit 3a 93 053 5081 ARTICLES OF INCORPORATION OF STANLY CAPITAL CORP 0-0320669 FILED 9:00 AM FEB 24 1993 RUFUS L EDMISTEN SECRETARY OF STATE NORTH CAROLINA The undersigned entity hereby makes and acknowledges these Articles of Incorporation for the purpose of forming a of North Carolina as contained in Chapter 55 of the General Statutes of North Carolina, entitled “North Carolina Business Corporation Act,” and the several amendments thereto, and to that end hereby sets forth the following: ARTICLE I The name of the corporation is Stanly Capital Corp (herein referred to as the “Corporation”).

Uwharrie Capital 8-K (Current Report/Significant Event)

uwhr-8k20170203.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 8-K 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 3, 2017 UWHARRIE CAPITAL CORP (Exact name of Registrant as Specified in Its Charter) North Carolina 000-22062 56-1814206 (State or Other Jurisdiction of I

From: Nicole Williams

EX-99.1 2 uwhr-ex9916.htm EX-99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE From: Nicole Williams Uwharrie Capital Corp 704-991-1276 Date: February 3, 2017 Albemarle – Uwharrie Capital Corp announced financial results for the year ended December 31, 2016. The Company reported consolidated total assets of $548.2 million at December 31, 2016. Net income for the twelve-month period ended December 31, 2016,

EX-99

RESOLUTIONS OF THE BOARD OF DIRECTORS OF UWHARRIE CAPITAL CORP WHEREAS, the persons named below are designated as "Reporting Persons" of Uwharrie Capital Corp (the "Company") for purposes of Rule 16a (Reporting Requirement) to the Securities and Exchange Commission ("SEC"): 1.

Third Quarter Report November 8, 2016

EX-99.1 Exhibit 99.1 Third Quarter Report November 8, 2016 Dear Shareholder: Uwharrie Capital Corp and its subsidiaries, Uwharrie Bank and Uwharrie Investment Advisors, reported consolidated total assets of $552.2 million at September 30, 2016, versus $532.2 million at December 31, 2015, representing year-to-date growth of $20 million or an annualized growth rate of 5.01%. Net income for the nine-

Results of Operations and Financial Condition

Form 8-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) November 8, 2016 UWHARRIE CAPITAL CORP (Exact name of Registrant as specified in its charter) NORTH CAROLINA 000-22062 56-1814206 (State or other jurisdiction of incorporation) (Commission

Uwharrie Capital 10-Q (Quarterly Report)

10-Q 1 uwhr-10q20160930.htm 10-Q UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2016 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE

Uwharrie Capital FORM 8-K (Current Report/Significant Event)

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 18, 2016 UWHARRIE CAPITAL CORP (Exact name of Registrant as specified in charter) North Carolina 000-22062 56-1814206 (State or other Jurisdiction of Incorporation (Co

Third Quarter 2016—Earnings Release and Dividend Declaration

EX-99.1 Exhibit 99.1 Third Quarter 2016?Earnings Release and Dividend Declaration FOR IMMEDIATE RELEASE From: Nicole Williams Uwharrie Capital Corp 704-991-1276 Date: October 19, 2016 Albemarle ? Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $552.2 million at September 30, 2016, versus $532.2 million at December 31, 2015. Net income for the nine-mon

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

8-K 1 d11674d8k.htm FORM 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) October 11, 2016 Uwharrie Capital Corp (Exact name of registrant as specified in its charter) North Carolina 000-22062 56-1814206 (State or other jurisdict

Results of Operations and Financial Condition

8-K SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) September 9, 2016 UWHARRIE CAPITAL CORP (Exact name of Registrant as specified in its charter) NORTH CAROLINA 000-22062 56-1814206 (State or other jurisdiction of incorporation) (Commission File

Second Quarter Report September 9, 2016

Exhibit 99.1 Second Quarter Report September 9, 2016 Dear Shareholder: We are pleased to report that during the second quarter of 2016; your company continued to grow, improve asset quality, and increase earnings and capital which allowed us to improve the value of your investment despite a lethargic economy and intense competition. The macroeconomic forces, primarily the anticipated British exit

Uwharrie Capital FORM 10-Q (Quarterly Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2016 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UW

First Quarter Report June 28, 2016

EX-99.1 Exhibit 99.1 First Quarter Report June 28, 2016 Dear Shareholders: Your Company completed first quarter 2016 showing continued improvement in both our asset quality and core bank earnings. Uwharrie Capital Corp and its subsidiaries reported total assets of $518 million at March 31, 2016, a slight increase over the $515 million reported for March 31, 2015. While your Company did not show la

Current Report

SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) June 28, 2016 UWHARRIE CAPITAL CORP (Exact name of Registrant as specified in its charter) NORTH CAROLINA 000-22062 56-1814206 (State or other jurisdiction of incorporation) (Commission File No.) (I

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) May 10, 2016 Uwharrie Capital Corp (Exact name of registrant as specified in its charter) North Carolina 000-22062 56-1814206 (State or other jurisdiction of incorporation) (Commission

Uwharrie Capital 10-Q (Quarterly Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2016 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 U

First Quarter 2016 - Earnings Release

EX-99.1 2 d170367dex991.htm EX-99.1 Exhibit 99.1 First Quarter 2016 - Earnings Release FOR IMMEDIATE RELEASE From: Nicole Williams Uwharrie Capital Corp 704-991-1276 Date: April 21, 2016 Albemarle - Uwharrie Capital Corp and its subsidiary, Uwharrie Bank, reported consolidated total assets of $518.4 million at March 31, 2016, versus $532.2 million at December 31, 2015. Net income for the three-mon

Financial Statements and Exhibits, Results of Operations and Financial Condition

Form 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported) April 21, 2016 UWHARRIE CAPITAL CORP (Exact name of Registrant as specified in charter) North Carolina 000-22062 56-1814206 (State or other Jurisdiction of Incorporation (Comm

Uwharrie Capital DEF 14A

DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A INFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule

Uwharrie Capital FORM 10-K (Annual Report)

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2015 OR ¨ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . COMMISSION FILE NUMBER 000-22062 UWHARR

Uwharrie Capital Corp ANNUAL REPORT TO SHAREHOLDERS [This page left blank intentionally] UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business

EX-13 2 d114973dex13.htm EX-13 Exhibit 13 Uwharrie Capital Corp 2015 ANNUAL REPORT TO SHAREHOLDERS 29 [This page left blank intentionally] 30 UWHARRIE CAPITAL CORP AND SUBSIDIARIES Description of Business Uwharrie Capital Corp (the “Company”) is a North Carolina bank holding company. The Company was incorporated on February 24, 1993 to become the bank holding company for Uwharrie Bank (the “Bank”)