Uwharrie Capital Corp 8-K notes Q3 2025 report to shareholders

Rhea-AI Filing Summary

Uwharrie Capital Corp filed a current report to announce that it has released a quarterly report to shareholders. The report, dated November 21, 2025, includes a letter to shareholders from President and CEO Roger L. Dick and unaudited financial information for the period ended September 30, 2025.

The shareholder report is provided as Exhibit 99.1 and is incorporated by reference, meaning its details are treated as part of this disclosure. The company also notes that the materials may contain forward-looking statements, highlighting that these reflect current management expectations and are subject to significant risks and uncertainties.

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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, 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)			(Commission File Number)	(IRS Employer Identification No.)
132 North First Street
Albemarle, North Carolina				28001
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 704 983-6181

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

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

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

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

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

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

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

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
None		N/A		N/A

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

Emerging growth company ☐

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

Item 2.02 Results of Operations and Financial Condition.

On November 21, 2025, Uwharrie Capital Corp (the “Registrant”) released a quarterly report to its shareholders that included a letter to the shareholders from President and CEO Roger L. Dick and unaudited financial information for the period ended September 30, 2025.

A copy of this report is attached hereto as Exhibit 99.1 and incorporated by reference herein.

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

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number		Description
99.1		Quarterly report to shareholders for the period ended September 30, 2025
104		Cover page interactive data file (embedded within the Inline XBRL document)

SIGNATURES

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

		UWHARRIE CAPITAL CORP
Date: November 21, 2025		By:	/s/ Heather H. Almond
			Heather H. Almond
			Principal Financial Officer

FAQ

What did Uwharrie Capital Corp (UWHR) announce in this 8-K filing?

Uwharrie Capital Corp announced that it released a quarterly report to shareholders that includes a CEO letter and unaudited financial information for the period ended September 30, 2025, which is attached as Exhibit 99.1.

What period does Uwharrie Capital Corp's latest quarterly report cover?

The quarterly report to shareholders covers the period ended September 30, 2025.

Who signed the Uwharrie Capital Corp 8-K related to the quarterly report?

The 8-K was signed on behalf of Uwharrie Capital Corp by Heather H. Almond, identified as the Principal Financial Officer, dated November 21, 2025.

What exhibits are included in Uwharrie Capital Corp's 8-K filing about the quarterly report?

The filing includes Exhibit 99.1, which is the quarterly report to shareholders for the period ended September 30, 2025, and Exhibit 104, the cover page interactive data file embedded within the Inline XBRL document.

Does the Uwharrie Capital Corp quarterly report contain forward-looking statements?

Yes. The company states that the materials may contain forward-looking statements regarding goals and expectations for earnings, income per share, revenue, expenses, and other performance measures, and notes these are subject to significant risks and uncertainties.

Where can investors find the financial information referenced in Uwharrie Capital Corp's 8-K?

The unaudited financial information for the period ended September 30, 2025 is included in the quarterly report to shareholders, which is attached to the 8-K as Exhibit 99.1.