Uwharrie Capital COO restructures 2,752 share holdings

Uwharrie Capital Corp Chief Operations Officer Jason R. Andrew reported a restructuring of his share holdings, not a market trade.

Rhea-AI Filing Summary

Uwharrie Capital Corp Chief Operations Officer Jason R. Andrew reported a restructuring of his share holdings, not a market trade. On 2026-03-10, 1,376 jointly held common shares were transferred out of a registered joint account and 1,376 common shares were recorded in his direct brokerage safekeeper account.

Footnotes state no money was paid or received; the moves reflect an administrative transfer between accounts. After these changes, Andrew holds 17,905 common shares directly and 74 common shares indirectly through a great grandmother-in-law acting as custodian for his spouse.

Insider Trade Summary

Other: 2,752 shares

Other 3 txns

Insider Andrew Jason R

Role Chief Operations Officer

Type	Security	Shares	Price	Value
Other	Common Stock (Held jointly with Spouse)	1,376	$0.00	$0.00
Other	Common Stock	1,376	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock (Held jointly with Spouse) — 0 shares (Direct); Common Stock — 17,905 shares (Direct); Common Stock — 74 shares (Indirect, By Great Grandmother-in-Law as custodian)

Footnotes (5)

1. F1. Transfer of shares from registered holder(s) account to brokerage safekeeper account.
2. F2. No money was received by the shareholder(s) for the Disposed shares. The shares were disposed of as a result of a transfer of shares from a registered holder(s) account with stock transfer agent to a brokerage safekeeper account.
3. F3. Held by Cede & Co., Depository for Pershing, LLC Safekeeper for Jason R. Andrew & Kellie M. Andrew Jt Ten
4. F4. No money was paid by the shareholder(s) for the Acquired shares. The shares were acquired as a result of a transfer of shares from a registered holder(s) account with stock transfer agent to a brokerage safekeeper account.
5. F5. Held by Great Grandmother-in-Law as Custodian for Spouse

FAQ

What insider transaction did UWHR’s COO report on this Form 4?

UWHR’s Chief Operations Officer Jason R. Andrew reported an administrative restructuring of 1,376 common shares. Shares moved from a registered joint account into a direct brokerage safekeeper account, with no cash changing hands and no open‑market buying or selling involved.

Did the UWHR insider buy or sell shares in the market?

No market purchase or sale occurred in this UWHR filing. The J‑code entries reflect an internal transfer of 1,376 shares between accounts, with footnotes confirming no money was paid or received by the shareholder for these transferred shares.

How many UWHR shares does the COO hold after the reported transactions?

After the reported restructuring, Jason R. Andrew holds 17,905 UWHR common shares directly. He also has indirect ownership of 74 additional common shares, which are held by his great grandmother‑in‑law acting as custodian for his spouse.

What does transaction code J mean in this UWHR Form 4?

Transaction code J in this UWHR Form 4 indicates “other acquisition or disposition.” Here it represents a restructuring transfer of 1,376 shares between a registered holder account and a brokerage safekeeper account, rather than a traditional market purchase or sale.

Was any cash consideration involved in the UWHR insider share transfers?

No cash consideration was involved in these UWHR share transfers. Footnotes specify that no money was received for disposed shares and no money was paid for acquired shares; both movements reflect transfers between registered and brokerage safekeeper accounts.

How are some of the UWHR shares indirectly held for the COO’s family?

A small portion of UWHR shares, totaling 74 common shares, are held indirectly. They are held by the COO’s great grandmother‑in‑law as custodian for his spouse, as disclosed in the ownership description and related Form 4 footnote.

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Accepted by SEC EDGAR 03/11/2026 - 11:38 AM Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Andrew Jason R

(Last) (First) (Middle)

PO BOX 338

(Street)

ALBEMARLE NC 28002-0338

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UWHARRIE CAPITAL CORP [ UWHR ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operations Officer

3. Date of Earliest Transaction (Month/Day/Year)
03/10/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock (Held jointly with Spouse)	03/10/2026		J(1)	V	1,376	D	$0.00(2)	0	D
Common Stock(3)	03/10/2026		J(1)	V	1,376	A	$0.00(4)	17,905	D
Common Stock(5)								74	I	By Great Grandmother-in-Law as custodian

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Transfer of shares from registered holder(s) account to brokerage safekeeper account.

2. No money was received by the shareholder(s) for the Disposed shares. The shares were disposed of as a result of a transfer of shares from a registered holder(s) account with stock transfer agent to a brokerage safekeeper account.

3. Held by Cede & Co., Depository for Pershing, LLC Safekeeper for Jason R. Andrew & Kellie M. Andrew Jt Ten

4. No money was paid by the shareholder(s) for the Acquired shares. The shares were acquired as a result of a transfer of shares from a registered holder(s) account with stock transfer agent to a brokerage safekeeper account.

5. Held by Great Grandmother-in-Law as Custodian for Spouse

	Jason R. Andrew by Tamara M. Singletary, EVP, Uwharrie Capital Corp	03/11/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.