Uwharrie Capital Corp is a bank holding company for Uwharrie Bank (the Bank), a North Carolina commercial bank. The Company and its subsidiaries conduct their operations in Stanly County, Anson County and Cabarrus County, North Carolina. The Bank's lending activities include commercial loans and various consumer-type loans to individuals, including installment loans, mortgage loans, equity lines of credit and overdraft checking credit. The Bank also offers Internet Banking, e-Banking, mobile banking, around the clock Telephone Banking, and issues Visa Check Cards, an electronic banking card, which functions as a point-of-sale card and allows its customers to access their deposit accounts at the Bank's nine branches and at most automated teller machines of other banks linked to the STAR or CIRRUS networks. The Bank offers credit cards under license from MasterCard.