Uwharrie Capital (UWHR) 10-K4 Mar 202019 FY Annual reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
Document and Entity Information - USD ($) $ in Thousands	Dec. 31, 2019	Mar. 02, 2020	Jun. 30, 2019
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Registrant Name	UWHARRIE CAPITAL CORP
Entity Central Index Key	0000898171
Entity Interactive Data Current	Yes
Trading Symbol	UWHR
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Title of 12(b) Security	COMMON STOCK, PAR VALUE $1.25 PER SHARE
Security Exchange Name	NASDAQ
Entity File Number	000-22062
Entity Incorporation, State or Country Code	NC
Entity Tax Identification Number	56-1814206
Entity Address, Address Line One	132 NORTH FIRST STREET
Entity Address, City or Town	ALBEMARLE
Entity Address, State or Province	NC
Entity Address, Postal Zip Code	28001
City Area Code	704
Local Phone Number	983-6181
Document Annual Report	true
Document Transition Report	false
Documents Incorporated by Reference	Portions of the Registrant’s 2019 Annual Report to Shareholders are incorporated by reference into Part II of this report. Portions of the Registrant’s definitive Proxy Statement for the 2020 Annual Meeting of Shareholders are incorporated by reference into Part III of this report.
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		7,095,920
Entity Public Float			$ 33,633,344

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 7,520	$ 4,473
Interest-earning deposits with banks	147,678	113,461
Securities available for sale, at fair value	88,524	91,299
Securities held to maturity (fair value $13,499 and $10,750, respectively)	13,428	10,837
Loans held for sale	2,946	4,800
Loans:
Loans held for investment	357,950	369,970
Less allowance for loan losses	(1,981)	(2,374)
Net loans held for investment	355,969	367,596
Premises and equipment, net	17,062	14,800
Interest receivable	1,666	1,763
Restricted stock	1,144	1,094
Bank owned life insurance	8,796	8,671
Other real estate owned	494	1,047
Prepaid assets	714	558
Other assets	10,852	11,905
Total assets	656,793	632,304
Deposits:
Demand noninterest-bearing	150,283	129,714
Interest checking and money market accounts	263,136	324,391
Savings deposits	57,136	54,784
Time deposits, $250,000 and over	55,682	7,920
Other time deposits	59,641	50,092
Total deposits	585,878	566,901
Short-term borrowed funds	626	1,190
Long-term debt	9,992	9,974
Interest payable	55	16
Other liabilities	11,384	9,048
Total liabilities	607,935	587,129
Off balance sheet items, commitments and contingencies (Note 13)
SHAREHOLDERS’ EQUITY
Common stock, $1.25 par value: 20,000,000 shares authorized; shares issued and outstanding 7,095,920 and 7,126,541, respectively	8,870	8,908
Additional paid-in capital	12,784	12,885
Undivided profits	16,226	14,421
Accumulated other comprehensive income (loss)	323	(1,694)
Total Uwharrie Capital shareholders’ equity	38,203	34,520
Noncontrolling interest	10,655	10,655
Total shareholders’ equity	48,858	45,175
Total liabilities and shareholders’ equity	$ 656,793	$ 632,304

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Statement Of Financial Position [Abstract]
Securities held for sale, fair value	$ 13,499	$ 10,750
Common stock, par value	$ 1.25	$ 1.25
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	7,095,920	7,126,541
Common stock, shares outstanding	7,095,920	7,126,541

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($)	12 Months Ended
Consolidated Statements of Income - USD ($)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income
Loans, including fees	$ 18,977,000	$ 18,205,000	$ 16,569,000
Investment securities
US Treasury	131,000	45,000	28,000
US Government agencies and corporations	1,490,000	1,405,000	1,507,000
State and political subdivisions non-taxable	408,000	434,000	439,000
State and political subdivisions taxable	59,000	47,000	47,000
Interest-earning deposits with banks and federal funds sold	2,702,000	1,737,000	750,000
Total interest income	23,767,000	21,873,000	19,340,000
Interest Expense
Interest checking and money market accounts	1,435,000	948,000	413,000
Savings deposits	102,000	91,000	49,000
Time deposits $250,000 and over	830,000	69,000	67,000
Other time deposits	620,000	204,000	185,000
Short-term borrowed funds	15,000	16,000	16,000
Long-term debt	563,000	554,000	547,000
Total interest expense	3,565,000	1,882,000	1,277,000
Net interest income	20,202,000	19,991,000	18,063,000
Provision for (recovery of) loan losses	(588,000)	90,000	(236,000)
Net interest income after provision for (recovery of) loan losses	20,790,000	19,901,000	18,299,000
Noninterest Income
Service charges on deposit accounts	1,348,000	1,220,000	1,169,000
Gain (loss) on sale of securities (includes reclassification of $35, $0 and $14 from accumulated comprehensive income in 2019, 2018 and 2017, respectively)	(35,000)		(14,000)
Income from mortgage loan sales	3,835,000	2,980,000	3,345,000
Other income	344,000	810,000	595,000
Total noninterest income	9,005,000	8,279,000	8,425,000
Noninterest Expense
Salaries and employee benefits	17,122,000	16,180,000	14,710,000
Net occupancy expense	1,693,000	1,616,000	1,261,000
Equipment expense	720,000	734,000	597,000
Data processing costs	706,000	923,000	1,000,000
Loan cost	359,000	306,000	356,000
Foreclosed real estate expense	300,000	45,000	293,000
Professional fees and services	929,000	1,058,000	723,000
Marketing and donations	758,000	786,000	977,000
Electronic banking expense	424,000	401,000	362,000
Software amortization and maintenance	925,000	924,000	787,000
FDIC insurance	132,000	234,000	229,000
Other noninterest expense	1,869,000	1,917,000	2,009,000
Total noninterest expense	25,937,000	25,124,000	23,304,000
Income before income taxes	3,858,000	3,056,000	3,420,000
Income taxes (includes reclassification of ($7), $0 and ($4) from accumulated other comprehensive income, respectively)	771,000	579,000	1,809,000
Net income	3,087,000	2,477,000	1,611,000
Less: Net income attributable to noncontrolling interest	(564,000)	(570,000)	(592,000)
Net income attributable to Uwharrie Capital Corp and common shareholders	$ 2,523,000	$ 1,907,000	$ 1,019,000
Net income per common share
Basic	$ 0.35	$ 0.26	$ 0.14
Diluted	$ 0.35	$ 0.26	$ 0.14
Weighted average common shares outstanding
Basic	7,199,262	7,229,333	7,427,036
Diluted	7,199,262	7,229,333	7,427,804
Other Services and Commissions [Member]
Noninterest Income
Noninterest income fees	$ 2,687,000	$ 2,621,000	$ 2,674,000
Interchange and Card Transaction Fees, Net [Member]
Noninterest Income
Noninterest income fees	$ 826,000	$ 648,000	$ 656,000

Consolidated Statements of In_2

Consolidated Statements of Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Statement [Abstract]
Reclassification from accumulated other comprehensive income	$ 35	$ 0	$ 14
Tax effect on amount reclassified from accumulated other comprehensive income	$ (7)	$ 0	$ (4)

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statement Of Income And Comprehensive Income [Abstract]
Net Income	$ 3,087	$ 2,477	$ 1,611
Other comprehensive income (loss):
Unrealized gains (losses) on available for sale securities	2,584	(758)	696
Related tax effect	(595)	171	(340)
Reclassification of losses recognized in net income	35	0	14
Related tax effect	(7)	0	(4)
Total other comprehensive income (loss)	2,017	(587)	366
Comprehensive income	5,104	1,890	1,977
Less: Comprehensive income attributable to noncontrolling interest	(564)	(570)	(592)
Comprehensive income attributable to Uwharrie Capital Corp	$ 4,540	$ 1,320	$ 1,385

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Total	Number of Common Shares Issued [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Noncontrolling Interest [Member]
Beginning balance at Dec. 31, 2015	$ 43,314
Net Income	2,211
Ending balance at Dec. 31, 2016	43,525		$ 8,813	$ 12,540	$ 12,867	$ (1,318)	$ 10,623
Ending balance, shares at Dec. 31, 2016		7,050,315
Net Income	1,611				1,019		592
Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect	155				155	(155)
Repurchase of common stock	$ (391)		(95)	(296)
Repurchase of common stock, shares	(75,709)	(75,709)
2% stock dividend			173	580	(753)
2% stock dividend, shares		138,247
Cash paid – fractional shares	$ (6)				(6)
Stock options exercised, shares	0
Other comprehensive income	$ 366					366
Record preferred stock dividend series B (noncontrolling interest)	(416)						(416)
Record preferred stock dividend series C (noncontrolling interest)	(149)						(149)
Ending balance at Dec. 31, 2017	44,540		8,891	12,824	13,282	(1,107)	10,650
Ending balance, shares at Dec. 31, 2017		7,112,853
Net Income	2,477				1,907		570
Repurchase of common stock	$ (747)		(173)	(574)
Repurchase of common stock, shares	(138,629)	(138,629)
2% stock dividend			174	586	(760)
2% stock dividend, shares		138,939
Cash paid – fractional shares	$ (8)				(8)
Stock options exercised	$ 65		16	49
Stock options exercised, shares	13,378	13,378
Other comprehensive income	$ (587)					(587)
Record preferred stock dividend series B (noncontrolling interest)	(417)						(417)
Record preferred stock dividend series C (noncontrolling interest)	(148)						(148)
Ending balance at Dec. 31, 2018	45,175		8,908	12,885	14,421	(1,694)	10,655
Ending balance, shares at Dec. 31, 2018		7,126,541
Net Income	3,087				2,523		564
Repurchase of common stock	$ (850)		(211)	(639)
Repurchase of common stock, shares	(168,683)	(168,683)
2% stock dividend			173	538	(711)
2% stock dividend, shares		138,062
Cash paid – fractional shares	$ (7)				(7)
Stock options exercised, shares	0
Other comprehensive income	$ 2,017					2,017
Record preferred stock dividend series B (noncontrolling interest)	(416)						(416)
Record preferred stock dividend series C (noncontrolling interest)	(148)						(148)
Ending balance at Dec. 31, 2019	$ 48,858		$ 8,870	$ 12,784	$ 16,226	$ 323	$ 10,655
Ending balance, shares at Dec. 31, 2019		7,095,920

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical)	Dec. 31, 2019	Dec. 31, 2018	Nov. 12, 2018	Dec. 31, 2017
Statement Of Stockholders Equity [Abstract]
Stock dividend, percentage	2.00%	2.00%	2.00%	2.00%

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities
Net Income	$ 3,087	$ 2,477	$ 1,611
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,074	1,067	857
Net amortization of security premiums/discounts AFS	555	767	850
Net amortization of security premiums/discounts HTM	139	146	147
Net amortization of loan servicing rights	831	663	733
Impairment of foreclosed real estate	237	(12)	85
(Recovery) provision for loan losses	(588)	90	(236)
Deferred income taxes	15	(39)	691
Net realized loss on sales / calls available for sale securities	35		14
Proceeds from sales of loans held for sale	126,011	96,718	97,360
Origination of loans held for sale	(124,973)	(97,764)	(96,684)
(Gain) loss on sale of premises, equipment and other assets	(6)	4
Increase in cash surrender value of life insurance	(125)	(125)	(124)
(Gain) loss on sales of foreclosed real estate	40	(11)	(35)
(Increase) decrease in prepaid assets	(156)	228	40
Net change in interest receivable	97	(54)	(80)
Net change in other assets	421	(422)	(602)
Net change in interest payable	39	(132)	(3)
Net change in other liabilities	(6)	397	1,129
Net cash provided by operating activities	6,727	3,998	5,753
Cash flows from investing activities
Proceeds from sales, maturities, calls and paydowns of securities available for sale	27,270	7,853	16,185
Proceeds from sales, maturities, calls and paydowns of securities held to maturity	270	475	385
Purchase of securities available for sale	(22,466)	(4,934)	(6,338)
Purchase of securities held to maturity	(3,000)
Net (increase) decrease in loans	12,034	(13,433)	(15,416)
Purchases of life insurance investment			(1,525)
Proceeds from sale of premises, equipment and other assets	189	4
Purchase of premises and equipment	(1,263)	(829)	(1,730)
Proceeds from sales of foreclosed real estate	543	1,533	2,138
Net change in restricted stock	(50)	(27)	(15)
Net cash provided by (used in) investing activities	13,527	(9,358)	(6,316)
Cash flows from financing activities
Net increase in deposit accounts	18,977	54,273	26,909
Net decrease in short-term borrowed funds	(564)	(562)	(410)
Proceeds from long-term debt	9,992	440
Repayment of long-term debt	(9,974)		(512)
Repurchase of common stock, net	(850)	(747)	(391)
Stock option exercise		65
Dividends on preferred stock	(564)	(570)	(592)
Cash paid for fractional shares	(7)	(8)	(6)
Net cash provided by financing activities	17,010	52,891	24,998
Increase in cash and cash equivalents	37,264	47,531	24,435
Cash and cash equivalents, beginning of year	117,934	70,403	45,968
Cash and cash equivalents, end of year	155,198	117,934	70,403
Supplemental disclosures of cash flow information
Interest paid	3,526	2,014	1,280
Income taxes paid	933	503	852
Supplemental schedule of non-cash activities
Net change in fair value of securities available for sale, net of tax	2,017	(587)	366
Initial ROU asset for leased properties	2,256
Initial lease liability for leased properties	2,308
Loans transferred to foreclosed real estate	267	160	361
Company financed OREO	(70)		(356)
Mortgage servicing rights capitalized	$ 684	$ 313	$ 586

Significant Accounting Policies

Significant Accounting Policies	12 Months Ended
Significant Accounting Policies	Dec. 31, 2019
Accounting Policies [Abstract]
Significant Accounting Policies	Note 1 - Significant Accounting Policies Nature of Business Uwharrie Capital Corp (the “Company”) was incorporated under North Carolina law for the purpose of becoming the holding company for Bank of Stanly (“Stanly”). On July 1, 1993, Stanly became a wholly-owned subsidiary of the Company through a one-for-one exchange of the common stock of Stanly for common stock of the Company. On September 1, 2013, Bank of Stanly changed its name to Uwharrie Bank (“Uwharrie” or the “Bank”). Uwharrie was incorporated on September 28, 1983, under the laws of the State of North Carolina and began operations on January 26, 1984 in Albemarle, North Carolina. Deposits with Uwharrie are insured by the Federal Deposit Insurance Corporation (“FDIC”). Uwharrie is under regulation of the Federal Reserve, the FDIC and the North Carolina Commissioner of Banks. In North Carolina, Uwharrie has ten branch locations that provide a wide range of deposit accounts, commercial, consumer, home equity and residential mortgage loans, safe deposit boxes and automated banking. In 1987, Uwharrie established a wholly-owned subsidiary, BOS Agency, Inc. (“BOS Agency”), which engages in insurance product sales. In 1989, Uwharrie established a second wholly-owned subsidiary, BOS Financial Corporation, for the purpose of conducting business as a “broker dealer” in securities. During 1993, BOS Financial Corporation changed its name to The Strategic Alliance Corporation (“Strategic Alliance”) and was registered as a “broker dealer” and is regulated by the Financial Industry Regulatory Authority (“FINRA”). The Company formed a new subsidiary, Strategic Investment Advisors, Inc. (“SIA”), during 1998 to provide investment advisory and asset management services. This subsidiary is registered as an investment advisor with the Securities and Exchange Commission. During 2015, SIA changed its name to Uwharrie Investment Advisors, Inc. (“UIA”). On January 19, 2000, the Company completed its acquisition of Anson BanCorp, Inc. and its subsidiary, Anson Savings Bank. The savings bank retained its North Carolina savings bank charter and became a wholly-owned subsidiary of Uwharrie Capital Corp as Anson Bank & Trust Company (“Anson”), operating out of its main office branch in Wadesboro. Anson was consolidated into Uwharrie Bank effective September 1, 2013. On August 4, 2000, Uwharrie acquired another subsidiary, Gateway Mortgage, Inc. (“Gateway”), a mortgage origination company. This company is currently inactive and does not affect the Company’s consolidated financial statements. On April 10, 2003, the Company capitalized a new wholly-owned subsidiary bank, Cabarrus Bank & Trust Company (“Cabarrus”), located in Concord, North Carolina. As of that date, Cabarrus purchased two branch offices located in Cabarrus County from Uwharrie to begin its operation. Cabarrus operated as a commercial bank and provided a full range of banking services. Cabarrus was consolidated into Uwharrie Bank effective September 1, 2013. On April 7, 2004 Uwharrie Mortgage, Inc. was established as a subsidiary of the Company to serve in the capacity of trustee and substitute trustee under deeds of trust. Principles of Consolidation The consolidated financial statements include the accounts of the Company, Uwharrie, UIA and Uwharrie’s subsidiaries, BOS Agency and Strategic Alliance. All significant intercompany transactions and balances have been eliminated in consolidation. Use of Estimates The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses. Note 1 - Significant Accounting Policies (Continued) Cash and Cash Equivalents For the purpose of presentation in the consolidated statements of cash flows, cash and cash equivalents are defined as those amounts included in the balance sheet captions “Cash and due from banks” and “Interest-earning deposits with banks.” Investment Securities Available for Sale Investment securities available for sale consist of United States Treasuries, United States Government agencies, Government Sponsored Enterprise (GSE) mortgage backed securities and collateralized mortgage obligations (CMOs), corporate bonds and state and political subdivision bonds. Unrealized holding gains and losses on available for sale securities are reported as a net amount in other comprehensive income, net of income taxes. Gains and losses on the sale of available for sale securities are determined using the specific identification method and recorded on a trade basis. Declines in the fair value of individual available for sale securities below their cost that are other than temporary would result in write-downs of the individual securities, to their fair value. Such write-downs would be included in earnings as realized losses to the extent the losses are associated with the credit quality of the issuer. Amortization of premiums and accretion of discounts are recognized in interest income using the interest method over the period to maturity. Investment Securities Held to Maturity Investment securities held to maturity consist of United States Government agencies, corporate bonds and state and political subdivision bonds. The Company has both the intent and ability to hold the securities to maturity. These securities are reported at amortized cost. Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans The Company divides the loans it originates into two segments, commercial and noncommercial loans. Commercial loans are broken down into the following classes: commercial loans, real estate commercial loans and other real estate construction loans. Noncommercial loans are divided into the following classes: real estate 1-4 family construction, real estate 1-4 family residential loans, home equity loans, consumer loans and other loans. The ability of the Company’s borrowers to honor their contracts is largely dependent upon the real estate and general economic conditions in the Company’s market area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective interest method. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. The exception to this policy is credit card loans that remain in accrual status 90 days or more until they are paid current or charged off. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these impaired loans is accounted for on a cash basis until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Generally, a minimum of six months of sustained performance is required. Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses. The provision for loan losses is expensed to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Note 1 - Significant Accounting Policies (Continued) The Company has different specific risks identified within the loan segments. Specific risks within the commercial loan segment arise with borrowers that are experiencing diminished operating cash flows, depreciated collateral values or prolonged sales and rental absorption periods. Concentrations within the portfolio, if unmanaged, pose additional risk. Occasionally, the Company will purchase participation loans from other institutions. If these loans are not independently underwritten by the Bank, they could carry additional risk. Generally, owner-occupied commercial real estate loans carry less risk than non-owner occupied. Specific risks within the non-commercial portfolio tend to be tied to economic factors including high unemployment and decreased real estate values. Risk to the Company is greater as home values deteriorate more rapidly than amortization in a loan, leaving little to no equity in properties, especially in junior lien positions. Concentration in the portfolio, such as home equity lines of credit, could pose additional risk if not appropriately managed. The allowance for loan losses is evaluated both individually and collectively by loan class on a regular basis by management. Loans are collectively evaluated based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. Individually evaluated loans are based upon discounted cash flows or the underlying value of the collateral. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. In addition, regulatory examiners may require the Company to recognize adjustments to the allowance for loan losses based on their judgment about information available to them at the time of their assessment. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Homogeneous loans are collectively evaluated by loan class for impairment. However, once a loan is deemed impaired, it will be evaluated individually for specific impairment. Troubled debt restructure loans (TDRs) are modifications of a loan when a borrower is experiencing financial difficulty and the modification involves providing a concession to the existing loan contract. TDRs are considered to be impaired loans and are individually evaluated for impairment. The portion of the Company’s allowance for loan loss model related to general reserves captures the mean loss of individual loans within the loan portfolio and adds additional loss based on economic uncertainty and volatility. Specifically, the Company calculates probable losses on loans by computing a probability of loss and multiplying that by a loss given default derived from historical experience, thus deriving the estimated loss scenario by FDIC call report codes. Together, these components, as well as a reserve for qualitative factors based on management’s discretion of economic conditions and portfolio concentrations, form the basis of the allowance model. The loans that are impaired and included in the specific reserve are excluded from these calculations. Loan Servicing Rights The Company capitalizes mortgage and Small Business Administration (SBA) loan servicing rights when loans are sold and the loan servicing is retained. The amortization of servicing rights is realized over the estimated period that net servicing revenues are expected to be received. These projections are based on the amount and timing of estimated future cash flows. The amortization of servicing rights is recognized in the statement of income as an offset to other noninterest income. Servicing assets are periodically evaluated for impairment based upon their fair value. Fair value is based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance and charged to other expense. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Note 1 - Significant Accounting Policies (Continued) Foreclosed Real Estate Real estate properties acquired through foreclosure or other proceedings are initially recorded at fair value less costs to sell upon foreclosure, establishing a new cost basis. Annually, valuations are performed and the foreclosed property is adjusted to the lower of cost or fair value of the properties, less costs to sell. Any write-down at the time of transfer to foreclosed properties is charged to the allowance for loan losses. Subsequent write-downs are charged to noninterest expense, and costs related to the improvement of the property are capitalized if the fair value less cost to sell will allow it. If not, these costs are expensed also. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Land is carried at cost. Additions and major replacements or betterments which extend the useful lives of premises and equipment are capitalized. Maintenance, repairs and minor improvements are expensed as incurred. Depreciation is computed principally by the straight-line method over estimated useful lives, except in the case of leasehold improvements, which are amortized over the term of the leases, if shorter. Useful lives range from five to seven years for furniture, fixtures and equipment, to ten to thirty-nine years for leasehold improvements and buildings, respectively. Upon retirement or other disposition of the assets, the cost and the related accumulated depreciation are removed from the accounts and any gains or losses are reflected in income. ROU assets that are recognized at the initial adoption of a lease arrangement are included in premises and equipment. More information regarding ROU assets can be found in Note 8 (Leases). Restricted Stock As a requirement for membership, the Bank invests in the stock of the Federal Home Loan Bank of Atlanta (“FHLB”) and Federal Reserve Bank (“FRB”). These investments are carried at cost. Due to the redemption provisions of these investments, the Company estimated that fair value approximates cost and that this investment was not impaired. Stock-Based Compensation The Company recognizes the cost of employee services received in exchange for an award of equity instruments in the financial statements over the period the employee is required to perform the services in exchange for the award (presumptively the vesting period). Accounting Standards Codification (ASC) 718 also requires measurement of the cost of employee services received in exchange for an award based on the grant-date fair value of the award. As of December 31, 2019 and December 31, 2018, there are no outstanding awards. Income Taxes The Company and its subsidiaries file a consolidated federal income tax return and separate North Carolina income tax returns. The provision for income taxes in the accompanying consolidated financial statements is provided on a liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. We record uncertain tax positions in accordance with ASC 740 on the basis of a two-step process whereby (1) we determine whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2) for those tax positions that meet the more-likely-than-not recognition threshold. The tax returns for the Company are subject to audit for the 2016 fiscal year and thereafter. It is the Company’s policy to recognize interest and penalties associated with uncertain tax positions as components of other expenses in the income statement; however, if interest becomes a material amount, it would be reclassified as interest expense. There were no interest or penalties accrued during the years ended December 31, 2019, 2018 and 2017. Leases Operating leases in which we are the lessee are recorded as operating lease ROU assets and operating lease liabilities, included in premises and equipment and other liabilities, respectively, on our consolidated balance sheet. We do not currently have any significant finance leases in which we are the lessee. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating Note 1 - Significant Accounting Policies (Continued) lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental collateralized borrowing rate at the lease commencement date. ROU assets are further adjusted for the lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in the net occupancy expense in the consolidated statement of income Note 1 - Significant Accounting Policies (Continued) Revenue Recognition Under ASU 2014-09, “Revenue from Contracts with Customers (Topic 606)”, for revenue not associated with financial instruments, guarantees and lease contracts, we apply the following steps when recognizing revenue from contracts with customers: (i) identify the contract, (ii) identify the performance obligations, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations and (v) recognize revenue when the performance obligation is satisfied. Our contracts with customers are generally short term in nature, typically due within one year or less or cancellable by us or our customer upon a short notice period. Performance obligations for our customer contracts are generally satisfied at a single point in time, typically when the transaction is complete, or over time. For performance obligations satisfied over time, we primarily use the output method, directly measuring the value of the products/services transferred to the customer, to determine when performance obligations have been satisfied. We typically receive payment from customers and recognize revenue concurrent with the satisfaction of our performance obligations. In most cases, this occurs within a single financial reporting period. For payments received in advance of the satisfaction of performance obligations, revenue recognition is deferred until such time the performance obligations have been satisfied. In cases where we have not received payment despite satisfaction of our performance obligations, we accrue an estimate of the amount due in the period our performance obligations have been satisfied. For contracts with variable components, only amounts for which collection is probable are accrued. We generally act in a principal capacity, on our own behalf, in most of our contracts with customers. In such transactions, we recognize revenue and the related costs to provide our services on a gross basis in our financial statements. In some cases, we act in an agent capacity, deriving revenue through assisting other entities in transactions with our customers. In such transactions, we recognize revenue and the related costs to provide our services on a net basis in our financial statements. These transactions primarily relate to insurance and brokerage commissions and fees derived from our customers' use of various interchange and ATM/debit card/credit card networks. Fair Value of Financial Instruments ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 820 does not require any new fair value measurements, but clarifies and standardizes some divergent practices that have emerged since prior guidance was issued. ASC 820 creates a three-level hierarchy under which individual fair value estimates are to be ranked based on the relative reliability of the inputs used in the valuation. ASC 820 defines fair value as the price that would be received to sell an asset or transfer a liability in an orderly transaction between market participants at the measurement date. When determining the fair value measurements for assets and liabilities, the Company considers the principal or most advantageous market in which those assets or liabilities are sold and considers assumptions that market participants would use when pricing those assets or liabilities. Fair values determined using Level 1 inputs rely on active and observable markets to price identical assets or liabilities. In situations where identical assets and liabilities are not traded in active markets, fair values may be determined based on Level 2 inputs, which exist when observable data exists for similar assets and liabilities. Fair values for assets and liabilities for which identical or similar assets and liabilities are not actively traded in observable markets are based on Level 3 inputs, which are considered to be unobservable. Among the Company’s assets and liabilities, investment securities available for sale are reported at their fair values on a recurring basis. Certain other assets are adjusted to their fair value on a nonrecurring basis, including other real estate owned, impaired loans, loans held for sale, which are carried at the lower of cost or market; and loan servicing rights, where fair value is determined using similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Deposits, short-term borrowings and long-term obligations are not reported at fair value. Note 1 - Significant Accounting Policies (Continued) Prices for US Treasury securities are readily available in the active markets in which those securities are traded, and the resulting fair values are shown in the “Level 1 input” column. Prices for government agency securities, mortgage-backed securities and for state, county and municipal securities are obtained for similar securities, and the resulting fair values are shown in the “Level 2 input” column. Prices for all other non-marketable investments are determined based on various assumptions that are not observable. The fair values for these investment securities are shown in the “Level 3 input” column. Non-marketable investment securities, which are carried at their purchase price, include those that may only be redeemed by the issuer. The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment by using one of several methods including collateral value, fair value of similar debt or discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the present value of the expected repayments or fair value of collateral exceed the recorded investments in such loans. The Company typically bases the fair value of the collateral on appraised values which the Company considers Level 3 valuations. Foreclosed assets are adjusted to fair value upon transfer of the loans to other real estate owned. Real estate acquired in settlement of loans is recorded initially at the estimated fair value of the property less estimated selling costs at the date of foreclosure. The initial recorded value may be subsequently reduced by additional allowances, which are charged to earnings if the estimated fair value of the property less estimated selling costs declines below the initial recorded value. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. The Company typically bases the fair value of the collateral on appraised values which the Company considers Level 3 valuations. Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate, based on secondary market prices. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. These loans are recorded in Level 2. Note 1 - Significant Accounting Policies (Continued) Comprehensive Income The Company reports as comprehensive income all changes in shareholders’ equity during the year from sources other than shareholders. Other comprehensive income refers to all components (revenues, expenses, gains, and losses) of comprehensive income that are excluded from net income. The Company’s only component of other comprehensive income is unrealized gains and losses, net of income tax, on investment securities available for sale. The following table presents the changes in accumulated other comprehensive income for the years ended December 31, 2019, 2018 and 2017: Year ended December 31, 2019 2018 2017 (dollars in thousands) Beginning Balance $ (1,694 ) $ (1,107 ) $ (1,318 ) Accumulated Other comprehensive income (loss) before reclassifications, net of ($595), $171 and ($185) tax effect, respectively 1,989 (587 ) 356 Amounts reclassified from accumulated other comprehensive income, net of ($7), $0, and ($4) tax effect, respectively 28 — 10 Net current-period other comprehensive loss 2,017 (587 ) 366 Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect — — (155 ) Ending Balance $ 323 $ (1,694 ) $ (1,107 ) Earnings per Common Share The Company had no stock options outstanding at December 31, 2019 or December 31, 2018. Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. On November 12, 2019, the Company’s Board of Directors declared a 2% stock dividend payable on December 9, 2019 to shareholders of record on November 25, 2019. All information presented in the accompanying consolidated financial statements regarding earnings per share and weighted average number of shares outstanding has been computed giving effect to this stock dividend. The computation of weighted average shares used in the calculation of basic and dilutive earnings per share is summarized below: 2019 2018 2017 Weighted average number of common shares used in computing basic net income per common share 7,199,262 7,229,333 7,427,036 Effect of dilutive stock options — — 768 Weighted average number of common shares and dilutive potential common shares used in computing diluted net income per common share 7,199,262 7,229,333 7,427,804 Note 1 - Significant Accounting Policies (Continued) Noncontrolling Interest In January 2013 the Company’s subsidiary banks issued a total of $7.9 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series B. The preferred stock qualified as Tier 1 capital at each bank and pays dividends at an annual rate of 5.30%. The preferred stock has no voting rights. This capital is presented as noncontrolling interest in the consolidated balance sheets. Dividends declared on this preferred stock are presented as earnings allocated to the noncontrolling interest in the consolidated statements of income. Effective September 1, 2013, the Fixed Rate Noncumulative Perpetual Preferred Stock, Series B was rolled into one issue under Uwharrie Bank in connection with the consolidation and name change. During 2013, the Company’s subsidiary bank, Uwharrie Bank, raised $2.8 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C. The preferred stock qualifies as Tier 1 capital at the bank and pays dividends at an annual rate of 5.30%. The preferred stock has no voting rights. Recent Accounting Pronouncements ASU 2016-02, “Leases, Topic 842” was adopted January 1, 2019. This ASU increases the transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The key difference between previous standards and this ASU is the requirement for lessees to recognize on their balance sheet all lease contracts with lease terms greater than 12 months, including operating leases. Both a ROU asset, representing the right to use the leased asset, and a lease liability, representing the contractual obligation, are required to be recognized on the balance sheet of the lessee at lease commencement. Further, this ASU requires lessees to classify leases as either operating or finance leases, which are substantially similar to the current operating and capital leases classifications. The distinction between these two classifications under the new standard does not relate to balance sheet treatment, but relates to treatment in the statements of income and cash flows. Lessor guidance remains largely unchanged with the exception of how a lessor determines the appropriate lease classification for each lease to better align the lessor guidance with revised lessee classification guidance. The impact of the new standard increased assets by $1.9 million and liabilities by $2.0 million, from the year ended December 31, 2018 to the year ended December 31, 2019. We currently have three properties that we operate with a lease term greater than one year. ASU 2014-09. “Revenue from Contracts with Customers (Topic 606)” was adopted as of January 1, 2018. ASU 2014-09 requires

Investment Securities

Investment Securities	12 Months Ended
Investment Securities	Dec. 31, 2019
Investments Debt And Equity Securities [Abstract]
Investment Securities	Note 2 - Investment Securities Carrying amounts and fair values of securities available for sale and held to maturity are summarized below: December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities available for sale U.S. Treasury $ 4,976 $ 36 $ — $ 5,012 U.S. Government agencies 25,869 18 201 25,686 GSE - Mortgage-backed securities and CMO’s 38,305 413 142 38,576 State and political subdivisions 13,937 329 45 14,221 Corporate bonds 5,018 11 — 5,029 Total securities available for sale $ 88,105 $ 807 $ 388 $ 88,524 December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities held to maturity U.S. Government agencies $ 578 $ 5 $ — $ 583 State and political subdivisions 6,826 62 — 6,888 Corporate bonds 6,024 5 1 6,028 Total securities held to maturity $ 13,428 $ 72 $ 1 $ 13,499 Note 2 - Investment Securities (Continued) December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities available for sale U.S. Treasury $ 4,944 $ 11 $ — $ 4,955 U.S. Government agencies 52,935 47 1,066 51,916 GSE - Mortgage-backed securities and CMO’s 17,217 — 515 16,702 State and political subdivisions 13,373 5 423 12,955 Corporate bonds 5,030 6 265 4,771 Total securities available for sale $ 93,499 $ 69 $ 2,269 $ 91,299 December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities held to maturity U.S. Government agencies $ 855 $ — $ 12 $ 843 State and political subdivisions 6,877 6 61 6,822 Corporate bonds 3,105 — 20 3,085 Total securities held to maturity $ 10,837 $ 6 $ 93 $ 10,750 At both December 31, 2019 and December 31, 2018, the Company owned Federal Reserve Bank stock reported at cost of $509,000. Also, at December 31, 2019 and December 31, 2018, the Company owned Federal Home Loan Bank (“FHLB”) stock of $635,000 and $585,000, respectively. The investments in Federal Reserve stock and FHLB stock are required investments related to the Company’s membership in, and borrowings with, these banks and classified as restricted stock on the consolidated balance sheet. These investments are carried at cost since there is no ready market and redemption has historically been made at par value. The Company estimated the fair value approximated cost and that these investments were not impaired at December 31, 2019. Results from sales of securities available for sale for the years ended December 31, 2019, 2018 and 2017 are as follows: 2019 2018 2017 (dollars in thousands) Gross proceeds from sales $ 3,351 $ — $ 8,918 Realized gains from sales $ — $ — $ — Realized losses from sales (35 ) — (14 ) Net realized gains (losses) $ (35 ) $ — $ (14 ) At December 31, 2019 and 2018 securities available for sale with a carrying amount of $65.3 million and $71.5 million, respectively, were pledged as collateral on public deposits and for other purposes as required or permitted by law. Note 2 - Investment Securities (Continued) The following tables show the gross unrealized losses and fair value of investments, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2019 and December 31, 2018. We believe these unrealized losses on investment securities are a result of a volatile market and fluctuations in market prices due to a rise in interest rates, which will adjust if rates decline. Management does not believe these fluctuations are a reflection of the credit quality of the investments. At December 31, 2019, the unrealized losses on available for sale securities less than twelve months related to three government agency bonds, six government sponsored enterprise (GSE) mortgage backed securities and one state and political subdivision bond. The Company had four government agency bonds and nine GSE mortgage backed securities that had been in a loss position twelve months or more at December 31, 2019. At December 31, 2018, the unrealized losses on held to maturity securities less than twelve months related to one corporate bond. At December 31, 2018, the unrealized loss on available for sale securities less than twelve months related to four government agency bonds, one GSE mortgage backed security and one corporate bond. The Company had sixteen government agency bonds, sixteen GSE mortgage backed securities, one corporate bond and eight state and political subdivision bonds that had been in a loss position for more than twelve months at December 31, 2018. The unrealized losses on held to maturity securities related to two corporate bonds and two state and political subdivision bonds. December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Securities available for sale temporary impairment U.S. Gov’t agencies 11,956 55 9,704 146 21,660 201 GSE-Mortgage-backed securities and CMO’s 17,613 61 7,431 81 25,044 142 State and political 1,694 45 — — 1,694 45 Total securities available for sale $ 31,263 $ 161 $ 17,135 $ 227 $ 48,398 $ 388 December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Held to maturity temporary impairment Corporate bonds 1,502 1 — — 1,502 1 Total securities held to maturity $ 1,502 $ 1 $ — $ — $ 1,502 $ 1 December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Securities available for sale temporary impairment U.S. Gov’t agencies 1,924 29 47,814 1,037 49,738 1,066 GSE-Mortgage-backed securities and CMO’s 526 6 15,602 509 16,128 515 State and political — — 11,109 423 11,109 423 Corporate bonds 1,989 224 1,971 41 3,960 265 Total securities available for sale $ 4,439 $ 259 $ 76,496 $ 2,010 $ 80,935 $ 2,269 Note 2 - Investment Securities (Continued) December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Held to maturity temporary impairment U.S. Gov’t agencies $ — $ — $ 843 $ 12 $ 843 $ 12 State and political 755 6 5,157 55 5,912 61 Corporate bonds 3,085 20 — — 3,085 20 Total securities held to maturity $ 3,840 $ 26 $ 6,000 $ 67 $ 9,840 $ 93 Declines in the fair value of the investment portfolio are believed by management to be temporary in nature. When evaluating an investment for other-than-temporary impairment, management considers, among other things, the length of time and the extent to which the fair value has been in a loss position, the financial condition of the issuer and the intent and the ability of the Company to hold the investment until the loss position is recovered. Any unrealized losses were largely due to increases in market interest rates over the yields available at the time of purchase. The fair value is expected to recover as the bonds approach their maturity date or market yields for such investments decline. Management does not believe any of the securities are impaired due to reasons of credit quality, but that the losses are temporary in nature. At December 31, 2019, the Company does not intend to sell and is not likely to be required to sell the available for sale securities that were in a loss position prior to full recovery. The following tables show contractual maturities of the investment portfolio as of December 31, 2019: Amortized Cost Estimated Fair Value (dollars in thousands) Securities available for sale Due within one year $ 7,784 $ 7,827 Due after one but within five years 22,502 22,496 Due after five but within ten years 8,310 8,163 Due after ten years 11,204 11,462 Mortgage backed securities 38,305 38,576 $ 88,105 $ 88,524 Amortized Cost Estimated Fair Value (dollars in thousands) Securities held to maturity Due within one year $ 4,525 $ 4,530 Due after one but within five years 4,975 5,040 Due after five but within ten years 3,928 3,929 $ 13,428 $ 13,499 The mortgage-backed securities are shown separately as they are not due at a single maturity date.

Loans Held for Investment

Loans Held for Investment	12 Months Ended
Loans Held for Investment	Dec. 31, 2019
Receivables [Abstract]
Loans Held for Investment	Note 3 – Loans Held for Investment The composition of net loans held for investment by class as of December 31, 2019 and 2018 is as follows: 2019 2018 (dollars in thousands) Commercial Commercial $ 59,075 $ 57,176 Real estate - commercial 130,998 130,634 Other real estate construction loans 23,043 31,141 Noncommercial Real estate 1-4 family construction 7,600 7,805 Real estate - residential 71,370 76,564 Home equity 51,216 52,541 Consumer loans 12,957 12,159 Other loans 1,939 2,110 358,198 370,130 Less: Allowance for loan losses (1,981 ) (2,374 ) Deferred loan fees, net (248 ) (160 ) Loans held for investment, net $ 355,969 $ 367,596 Although the Bank’s loan portfolio is diversified, there is a concentration of mortgage real estate loans, primarily 1 to 4 family residential and construction mortgage loans and home equity loans, which represent 36.34% of total loans. Additionally, there is a concentration in commercial loans secured primarily by real estate, shopping center locations, commercial land development, commercial buildings, equipment, and general commercial loans that represent 59.50% of total loans. There is not a concentration of a particular type of credit in this group of commercial loans. Total recorded investment in impaired loans, which consisted of nonaccrual loans and other loans identified by management as impaired, totaled $6.8 million and $4.5 million at December 31, 2019 and 2018, respectively. There were no loans 90 days past due and still accruing at December 31, 2019 or at December 31, 2018. Restructured loans at December 31, 2019 and December 31, 2018 totaled $3.9 million and $3.5 million, respectively, and are included in the impaired loan total. The carrying value of foreclosed properties held as other real estate was $494,000 and $1.0 million at December 31, 2019 and 2018, respectively. The Company had $130,000 in foreclosed residential real estate and $387,000 of residential real estate in process of foreclosure at December 31, 2019. The Company had loans of $166.9 million and $187.6 million pledged to borrowings at Federal Home Loan Bank and the Federal Reserve Bank at December 31, 2019 and 2018, respectively. The Company’s loan policies are written to address loan-to-value ratios and collateralization methods with respect to each lending category. Consideration is given to the economic and credit risk of lending areas and customers associated with each category.

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
Allowance for Loan Losses	Dec. 31, 2019
Receivables [Abstract]
Allowance for Loan Losses	Note 4 - Allowance for Loan Losses During the second quarter of 2019, the Company transitioned its in-house incurred loss allowance for loan loss model to an external vendor incurred loss model that is CECL-ready. The overall financial impact related to switching models is considered immaterial. As a result of the change in models, there has been a change in the methodology for establishing the allowance for loan losses, as described below. Default in the allowance for loan loss model is now considered 90 days past due, whereas default was defined as a charge-off event in the previous model. This increases the probabilities of default for the Company, but reduces the loss given default ratio in the portfolio. Probabilities of default are now more representative of the Company’s customers. Previously, an analysis was performed with a sample of North Carolina consumers to calculate the probabilities of default by credit score. In the new model, the Company is able to track probabilities of default based on historical information of loans in the portfolio. This is the largest impact of the model transition, resulting in an immaterial recovery of provision for loan losses. The qualitative factors used in the model include adjustment to historical rates for the impact of the recession in the last business cycle, current volatility in the market, and management’s analysis of local economic factors and industry-specific outlooks. Changes in the allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 are presented below (the “other” category represents a one-time impact of re-classification for unfunded commitments’ allowance from the allowance for loan losses to an unfunded commitment liability): Commercial 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 1,334 $ 1,401 $ 1,404 Provision (recovery) charged to operations (571 ) 132 (72 ) Charge-offs (11 ) (245 ) (31 ) Recoveries 367 46 100 Net (charge-offs) recoveries 356 (199 ) 69 Other (32 ) — — Balance, end of year $ 1,087 $ 1,334 $ 1,401 Note 4 - Allowance for Loan Losses (Continued) Non-Commercial 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 1,040 $ 1,057 $ 1,303 Provision (recovery) charged to operations (17 ) (42 ) (164 ) Charge-offs (149 ) (81 ) (177 ) Recoveries 74 106 95 Net (charge-offs) recoveries (75 ) 25 (82 ) Other (54 ) — — Balance, end of year $ 894 $ 1,040 $ 1,057 Total 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 2,374 $ 2,458 $ 2,707 Provision (recovery) charged to operations (588 ) 90 (236 ) Charge-offs (160 ) (326 ) (208 ) Recoveries 441 152 195 Net (charge-offs) recoveries 281 (174 ) (13 ) Other (86 ) — — Balance, end of year $ 1,981 $ 2,374 $ 2,458 The following table shows period-end loans and reserve balances by loan segment both individually and collectively evaluated for impairment at December 31, 2019 and 2018: December 31, 2019 Individually Evaluated Collectively Evaluated Total Reserve Loans Reserve Loans Reserve Loans (dollars in thousands) Commercial $ 32 $ 3,660 $ 1,055 $ 209,456 $ 1,087 $ 213,116 Non-Commercial 109 3,175 785 141,659 894 144,834 Total $ 141 $ 6,835 $ 1,840 $ 351,115 $ 1,981 $ 357,950 December 31, 2018 Individually Evaluated Collectively Evaluated Total Reserve Loans Reserve Loans Reserve Loans (dollars in thousands) Commercial $ 42 $ 1,359 $ 1,292 $ 217,592 $ 1,334 $ 218,951 Non-Commercial 112 3,119 928 147,900 1,040 151,019 Total $ 154 $ 4,478 $ 2,220 $ 365,492 $ 2,374 $ 369,970 Note 4 - Allowance for Loan Losses (Continued) Past due loan information is used by management when assessing the adequacy of the allowance for loan losses. The following tables summarize the past due information of the loan portfolio by class: December 31, 2019 Loans 30-89 Days Past Due Loans 90 Days or More Past due and Non - Accrual Total Past Due Loans Current Loans Total Loans Accruing Loans 90 or More Days Past Due (dollars in thousands) Commercial $ 190 $ — $ 190 $ 58,885 $ 59,075 $ — Real estate - commercial — 2,088 2,088 128,910 130,998 — Other real estate construction 14 0 14 23,029 23,043 — Real estate construction — — — 7,600 7,600 — Real estate - residential 326 752 1,078 70,044 71,122 — Home equity 57 82 139 51,077 51,216 — Consumer loan 27 — 27 12,930 12,957 — Other loans — — — 1,939 1,939 — Total $ 614 $ 2,922 $ 3,536 $ 354,414 $ 357,950 $ — December 31, 2018 Loans 30-89 Days Past Due Loans 90 Days or More Past due and Non - Accrual Total Past Due Loans Current Loans Total Loans Accruing Loans 90 or More Days Past Due (dollars in thousands) Commercial $ 54 $ — $ 54 $ 57,122 $ 57,176 $ — Real estate - commercial — 273 273 130,361 130,634 — Other real estate construction — 47 47 31,094 31,141 — Real estate construction — — — 7,805 7,805 — Real estate - residential 890 606 1,496 74,908 76,404 — Home equity 100 118 218 52,323 52,541 — Consumer loan 86 — 86 12,073 12,159 — Other loans — — — 2,110 2,110 — Total $ 1,130 $ 1,044 $ 2,174 $ 367,796 $ 369,970 $ — Once a loan becomes 90 days past due, the loan is automatically transferred to a nonaccrual status. The exception to this policy is credit card loans that remain in accrual status 90 days or more until they are paid current or charged off. Note 4 - Allowance for Loan Losses (Continued) The composition of nonaccrual loans by class as of December 31, 2019 and 2018 is as follows: 2019 2018 (dollars in thousands) Commercial $ — $ — Real estate - commercial 2,088 273 Other real estate construction — 47 Real estate 1 – 4 family construction — — Real estate – residential 752 606 Home equity 82 118 Consumer loans — — Other loans — — $ 2,922 $ 1,044 Loans that are in nonaccrual status or 90 days past due and still accruing are considered to be nonperforming. Nonperforming loans were $2.9 million at December 31, 2019 and $1.0 million at December 31, 2018. Management uses a risk-grading program to facilitate the evaluation of probable inherent loan losses and to measure the adequacy of the allowance for loan losses. In this program, risk grades are initially assigned by the loan officers and reviewed and monitored by the lenders and credit administration on an ongoing basis. The program has eight risk grades summarized in five categories as follows: Pass : Loans that are pass grade credits include loans that are fundamentally sound and risk factors are reasonable and acceptable. They generally conform to policy with only minor exceptions and any major exceptions are clearly mitigated by other economic factors. Watch : Loans that are watch credits include loans on management’s watch list where a risk concern may be anticipated in the near future. Substandard : Loans that are considered substandard are loans that are inadequately protected by current sound net worth, paying capacity of the obligor or the value of the collateral pledged. All nonaccrual loans are graded as substandard. Doubtful: Loans that are considered to be doubtful have all weaknesses inherent in loans classified substandard, plus the added characteristic that the weaknesses make the collection or liquidation in full on the basis of current existing facts, conditions and values highly questionable and improbable. Loss: Loans that are considered to be a loss are considered to be uncollectible and of such little value that their continuance as bankable assets is not warranted. The tables below summarize risk grades of the loan portfolio by class as of December 31, 2019 and 2018: December 31, 2019 Pass Watch Sub- standard Doubtful Total (dollars in thousands) Commercial $ 56,151 $ 2,921 $ 3 $ — $ 59,075 Real estate - commercial 126,498 1,194 3,306 — 130,998 Other real estate construction 21,253 1,477 313 — 23,043 Real estate 1 - 4 family construction 7,600 — — — 7,600 Real estate - residential 67,647 2,464 1,011 — 71,122 Home equity 50,255 879 82 — 51,216 Consumer loans 12,877 79 1 — 12,957 Other loans 1,939 — — — 1,939 Total $ 344,220 $ 9,014 $ 4,716 $ — $ 357,950 Note 4 - Allowance for Loan Losses (Continued) December 31, 2018 Pass Watch Sub- standard Doubtful Total (dollars in thousands) Commercial $ 55,883 $ 1,284 $ 9 $ — $ 57,176 Real estate - commercial 127,592 1,518 1,524 — 130,634 Other real estate construction 28,711 2,070 360 — 31,141 Real estate 1 - 4 family construction 7,805 — — — 7,805 Real estate - residential 69,900 5,470 1,034 — 76,404 Home equity 52,028 395 118 — 52,541 Consumer loans 12,085 73 1 — 12,159 Other loans 2,110 — — — 2,110 Total $ 356,114 $ 10,810 $ 3,046 $ — $ 369,970 The following tables show the breakdown between performing and nonperforming loans by class as of December 31, 2019 and 2018: December 31, 2019 Performing Non- Performing Total (dollars in thousands) Commercial $ 59,075 $ — $ 59,075 Real estate - commercial 128,910 2,088 130,998 Other real estate construction 23,043 — 23,043 Real estate 1 – 4 family construction 7,600 — 7,600 Real estate – residential 70,370 752 71,122 Home equity 51,134 82 51,216 Consumer loans 12,957 — 12,957 Other loans 1,939 — 1,939 Total $ 355,028 $ 2,922 $ 357,950 December 31, 2018 Performing Non- Performing Total (dollars in thousands) Commercial $ 57,176 $ — $ 57,176 Real estate - commercial 130,361 273 130,634 Other real estate construction 31,094 47 31,141 Real estate 1 – 4 family construction 7,805 — 7,805 Real estate – residential 75,798 606 76,404 Home equity 52,423 118 52,541 Consumer loans 12,159 — 12,159 Other loans 2,110 — 2,110 Total $ 368,926 $ 1,044 $ 369,970 Note 4 - Allowance for Loan Losses (Continued) Loans are considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement. If a loan is deemed impaired, a valuation analysis is performed and a specific reserve is allocated if necessary. The tables below summarize the loans deemed impaired and the amount of specific reserves allocated by class as of December 31, 2019, 2018, and 2017: As of December 31, 2019 Year Ended December 31, 2019 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 4 $ — $ 4 $ — $ 6 $ — Real estate - commercial 3,612 1,923 1,689 29 2,273 145 Other real estate construction 44 — 44 3 64 3 Real estate 1 -4 family construction — — — — — — Real estate - residential 3,070 987 2,083 99 3,010 159 Home equity 82 13 69 10 116 5 Consumer loans 23 — 23 — 27 2 Total $ 6,835 $ 2,923 $ 3,912 $ 141 $ 5,496 $ 314 Year Ended As of December 31, 2018 December 31, 2018 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 7 $ — $ 7 $ — $ 32 $ — Real estate - commercial 1,258 93 1,165 38 1,503 51 Other real estate construction 632 47 47 4 132 3 Real estate 1 -4 family construction — — — — — — Real estate - residential 3,005 901 2,104 110 3,505 145 Home equity 83 51 32 1 54 3 Consumer loans 31 — 31 1 40 3 Total $ 5,016 $ 1,092 $ 3,386 $ 154 $ 5,266 $ 205 Year Ended As of December 31, 2017 December 31, 2017 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 44 $ 10 $ 34 $ 10 $ 25 $ 2 Real estate - commercial 1,593 1,305 288 9 1,650 72 Other real estate construction 689 101 50 3 208 5 Real estate 1 -4 family construction — — — — 3 — Real estate - residential 3,701 1,319 2,382 171 3,762 179 Home equity 35 22 13 1 66 1 Consumer loans 45 45 — — 53 4 Total $ 6,107 $ 2,802 $ 2,767 $ 194 $ 5,767 $ 263

Troubled Debt Restructures

Troubled Debt Restructures	12 Months Ended
Troubled Debt Restructures	Dec. 31, 2019
Receivables [Abstract]
Troubled Debt Restructures	Note 5 – Troubled Debt Restructures A modification of a loan constitutes a troubled debt restructuring (“TDR”) when a borrower is experiencing financial difficulty and the modification involves providing a concession to the existing loan contract. The Company offers various types of concessions when modifying loans to troubled borrowers, however, forgiveness of principal is rarely granted. Concessions offered are term extensions, capitalizing accrued interest, reducing interest rates to below current market rates or a combination of any of these. Combinations from time to time may include allowing a customer to be placed on interest-only payments. The presentations below in the “other” category are TDRs with a combination of concessions. At the time of a TDR, additional collateral or a guarantor may be requested. Loans modified as TDRs are typically already on nonaccrual status and in some cases, partial chargeoffs may have already been taken against the outstanding loan balance. The Company classifies TDR loans as impaired loans and evaluates the need for an allowance for loan loss on a loan-by-loan basis. An allowance is based on either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price or the estimated fair value of the underlying collateral less any selling costs, if the loan is deemed to be collateral dependent. For the twelve months ended December 31, 2019, 2018 and 2017, the following table presents a breakdown of the types of concessions made by loan class: Year Ended December 31, 2019 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial 1 $ 50 $ 4 Real estate - commercial 1 1,629 838 Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 3 261 219 Home equity — — — Consumer loans — — — Other loans — — — 5 $ 1,940 $ 1,061 Total 5 $ 1,940 $ 1,061 Note 5 – Troubled Debt Restructures (Continued) Year Ended December 31, 2018 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 6 434 387 Home equity — — — Consumer loans — — — Other loans — — — 6 $ 434 $ 387 Total 6 $ 434 $ 387 Year Ended December 31, 2017 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial 1 $ 12 $ 10 Real estate - commercial 2 178 173 Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 6 708 675 Home equity — — — Consumer loans 1 9 5 Other loans — — — 10 $ 907 $ 863 Total 10 $ 907 $ 863 Note 5 – Troubled Debt Restructures (Continued) During the twelve months ended December 31, 2019, there was one TDR for which there was a payment default. There was one payment default in 2018 and one payment default on a TDR in 2017. The outstanding balance of TDRs at December 31, 2019 is $3.94 million with $3.91 million still accruing compared to an outstanding balance at December 31, 2018 of $3.5 million with $3.4 million still accruing. A default on a troubled debt restructure is defined as being past due 90 days or being out of compliance with the modification agreement. As previously mentioned, the Company considers TDRs to be impaired loans and has $117,000 in the allowance for loan loss as of December 31, 2019, as a direct result of these TDRs. At December 31, 2018 and 2017 there was $144,000 and $171,000 in the allowance for loan loss related to TDRs, respectively. The following table presents the successes and failures of the types of modifications within the previous twelve months as of December 31, 2019, 2018 and 2017: Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2019 Extended payment terms — $ — — $ — — $ — — $ — Other 1 37 5 1,940 — — — — Total 1 $ 37 5 $ 1,940 — $ — — $ — Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2018 Extended payment terms — $ — — $ — — $ — — $ — Other 8 1,056 6 434 — — 1 242 Total 8 $ 1,056 6 $ 434 — $ — 1 $ 242 Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2017 Extended payment terms — $ — — $ — — $ — — $ — Other 6 217 10 863 — — 1 15 Total 6 $ 217 10 $ 863 — $ — 1 $ 15

Loan Servicing Assets

Loan Servicing Assets	12 Months Ended
Loan Servicing Assets	Dec. 31, 2019
Mortgage Banking [Abstract]
Loan Servicing Assets	Note 6 – Loan Servicing Assets The principal balance of loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of mortgage and other loans serviced for others were approximately $419.4 million and $418.6 million at December 31, 2019 and 2018, respectively. The carrying value of capitalized servicing rights, net of valuation allowances, is included in other assets. A summary of loan servicing rights follows: 2019 2018 2017 (dollars in thousands) Beginning of year servicing rights: $ 1,850 $ 2,125 $ 2,271 Amounts capitalized 694 388 587 Amortization (821 ) (663 ) (733 ) Impairment — — — End of year $ 1,723 $ 1,850 $ 2,125 Note 6 – Loan Servicing Assets (Continued) Amortization expense is estimated as follows: Year ending December 31, (dollars in thousands) 2020 $ 406 2021 352 2022 298 2023 243 2024 188 Thereafter 236 Total $ 1,723 The amortization does not anticipate or pro-forma loan prepayments. The fair value of mortgage servicing rights was $3.1 million and $3.5 million at December 31, 2019 and 2018, respectively. The key assumptions used to value mortgage servicing rights were as follows: 2019 2018 Weighted average remaining life 261 months 259 months Weighted average discount rate 12 % 12 % Weighted average coupon 4.04 % 4.02 % Weighted average prepayment speed 182 % 132 %

Premises and Equipment

Premises and Equipment	12 Months Ended
Premises and Equipment	Dec. 31, 2019
Property Plant And Equipment [Abstract]
Premises and Equipment	Note 7 - Premises and Equipment The major classes of premises and equipment and the total accumulated depreciation at December 31, 2019 and 2018 are listed below: 2019 2018 (dollars in thousands) Land $ 3,192 $ 3,215 Building and improvements 15,783 15,150 ROU assets 1,945 — Furniture and equipment 8,518 8,808 Total fixed assets 29,438 27,173 Less accumulated depreciation 12,376 12,373 Net fixed assets $ 17,062 $ 14,800 Depreciation expense was $1.1 million for the year ended December 31, 2019 compared to $1.1 million and $857,000 for the comparable periods of 2018 and 2017, respectively, and is included in net occupancy expense. ROU assets are discussed further in Note 8 – Leases.

Leases

Leases	12 Months Ended
Leases	Dec. 31, 2019
Lessee Disclosure [Abstract]
Leases	Note 8 – Leases Our leases relate to three office locations, two of which are branch locations, with remaining terms of two to ten years. Certain lease arrangements contain extension options which range from five to ten years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, they are not included in the lease term. As of December 31, 2019, operating lease ROU assets were $1.9 million and the lease liability was $2.0 million. The table below depicts information related to the Company’s leases: Twelve Months Ended December 31, 2019 (in thousands except percent and period data) Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 357 ROU assets obtained in exchange for new operating lease liabilities 1,945 Weighted-average remaining lease term - operating leases, in years 7.6 Weighted-average discount rate - operating leases 2.9% Total rental expense related to the operating leases was $371,327, $339,782, and $155,757 for the years ended December 31, 2019, 2018 and 2017, respectively, and is included in net occupancy expense. A table detailing the lease expense associated with the aforementioned properties is below. December 31, (dollars in thousands) 2020 $ 381 2021 347 2022 225 2023 229 2024 233 Thereafter 846 Total lease payments 2,261 Less: Interest (249 ) Present value of lease liabilities $ 2,012 Lease Commitments Disclosure at December 31, 2018 Prior to Adoption of ASU 2016-02 Operating leases for 2018 and 2017 were accounted for under ASC 840, Leases. December 31, (dollars in thousands) 2019 $ 345 2020 345 2021 306 2022 189 2023 189 Thereafter 812 Total 2,186

Deposits

Deposits	12 Months Ended
Deposits	Dec. 31, 2019
Banking And Thrift [Abstract]
Deposits	Note 9 - Deposits The composition of deposits at December 31, 2019 and 2018 is as follows: 2019 2018 Amount Percentage of Total Amount Percentage of Total (dollars in thousands) Demand noninterest-bearing $ 150,283 26 % $ 129,714 23 % Interest checking and money market 263,136 45 % 324,391 57 % Savings 57,136 10 % 54,784 10 % Time deposits $250,000 and over 55,682 9 % 7,920 1 % Other time deposits 59,641 10 % 50,092 9 % Total $ 585,878 100 % $ 566,901 100 % The maturities of fixed-rate time deposits at December 31, 2019 are reflected in the table below: Time Deposits Other Year ending December 31, $250,000 and Over Time Deposits (dollars in thousands) 2020 53,866 39,650 2021 1,507 15,522 2022 309 2,977 2023 — 610 2024 — 882 Thereafter — — Total $ 55,682 $ 59,641

Short-Term Borrowed Funds

Short-Term Borrowed Funds	12 Months Ended
Short-Term Borrowed Funds	Dec. 31, 2019
Debt Disclosure [Abstract]
Short-Term Borrowed Funds	Note 10 - Short-Term Borrowed Funds The following tables set forth certain information regarding the amounts, year-end weighted average rates, average balances, weighted average rate, and maximum month-end balances for short-term borrowed funds, at and during 2019 and 2018: 2019 2018 Amount Rate Amount Rate (dollars in thousands) At year-end Master notes and other short-term borrowing $ 626 0.89 % $ 1,190 1.49 % Notes payable — — — — Short-term line of credit — — — — $ 626 0.89 % $ 1,190 1.49 % 2019 2018 Amount Rate Amount Rate (dollars in thousands) Average for the year Federal funds purchased $ 2 3.04 % $ 2 2.92 % Master notes and other short-term borrowing 904 1.61 % 1,638 1.00 % Notes payable — — — — Short-term line of credit — — — — $ 906 1.62 % $ 1,640 1.00 % Note 10 - Short-Term Borrowed Funds (Continued) 2019 2018 (dollars in thousands) Maximum month-end balance Federal funds purchased — — Master notes and other short-term borrowing 1,486 2,006 Master notes and other secured borrowings represent an overnight investment in commercial paper issued by the Company to customers of its subsidiary bank, where an agreement is in place. The subsidiary bank has combined available lines of credit for federal funds and Federal Reserve discount window availability in the amount of $47.2 million at December 31, 2019.

Long-Term Debt

Long-Term Debt	12 Months Ended
Long-Term Debt	Dec. 31, 2019
Debt Disclosure [Abstract]
Long-Term Debt	Note 11 - Long-Term Debt The Company has a line of credit with the Federal Home Loan Bank secured by qualifying first lien and second mortgage loans and commercial real estate loans with eligible collateral value of $98.0 million with remaining availability of $56.0 million at December 31, 2019. There were no long-term advances under this line at December 31, 2019 or at December 31, 2018. The subsidiary bank also has standby letters of credit issued by the Federal Home Loan Bank to be used as collateral for public funds deposits. The aggregate amount of the letters of credit was $42.0 million at December 31, 2019. During the third quarter of 2019, the Company conducted a private placement offering of fixed rate junior subordinated debt securities at $1,000 per security with a required minimum investment of $50,000. The offering raised $10.0 million, of which the entire $10.0 million was outstanding at December 31, 2019. These securities have a final maturity date of September 30, 2029 and may be redeemed by the Company after September 30, 2024. The junior subordinated debt pays interest quarterly at an annual fixed rate of 5.25%. All proceeds of this private placement qualify and are included in the calculation of Tier 2 capital. Once the final maturity drops under five years, the Company must impose a twenty percent annual reduction per year of the amount of the proceeds from the sale of these securities that are eligible to be counted as Tier 2 capital. The Company will have a twenty percent reduction beginning at September 30, 2024. As of December 31, 2019, the scheduled maturities of these long-term borrowings are as follows: Year ending December 31, (dollars in thousands) 2020 $ — 2021 — 2022 — 2023 — 2024 — Thereafter 9,992 Total $ 9,992

Income Tax Matters

Income Tax Matters	12 Months Ended
Income Tax Matters	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Income Tax Matters	Note 12 - Income Tax Matters The significant components of income tax expense for the years ended December 31, 2019, 2018 and 2017 are summarized as follows: 2019 2018 2017 (dollars in thousands) Current tax expense: Federal $ 662 $ 524 $ 1,022 State 94 94 96 Total 756 618 1,118 Deferred tax expense: Federal 26 (47 ) 680 State (11 ) 8 11 Total 15 (39 ) 691 Net provision for income taxes $ 771 $ 579 $ 1,809 The difference between the provision for income taxes and the amounts computed by applying the statutory federal income tax rate of 21% to income before income taxes is summarized below: 2019 2018 2017 (dollars in thousands) Tax computed at the statutory federal rate $ 810 $ 642 $ 1,163 Increases (decrease) resulting from: Tax exempt interest, net (133 ) (143 ) (238 ) State income taxes, net of federal benefit 65 80 71 Revalue of deferred tax assets — — 812 Other 29 — 1 Provision for income taxes $ 771 $ 579 $ 1,809 Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of deferred taxes at December 31, 2019, 2018 and 2017 are as follows: 2019 2018 2017 (dollars in thousands) Deferred tax assets relating to: Allowance for loan losses $ 478 $ 545 $ 569 Deferred compensation 1,078 1,012 936 Other 89 104 173 Lease liability 462 — — Net unrealized loss on securities available for sale — 505 335 Total deferred tax assets 2,107 2,166 2,013 Deferred tax liabilities relating to: Net unrealized gain on securities available for sale (96 ) — — Premises and equipment (184 ) (159 ) (213 ) Deferred loans fees and costs (159 ) (163 ) (148 ) Loan servicing (92 ) (99 ) (116 ) ROU asset (447 ) — — Total deferred tax liabilities (978 ) (421 ) (477 ) Net recorded deferred tax asset $ 1,129 $ 1,745 $ 1,536 The net deferred tax asset is included in other assets on the accompanying consolidated balance sheets. The Tax Cut and Jobs Act, or the Tax Act, was enacted on December 22, 2017. The SEC issued Staff Accounting Bulletin No. 118 to address uncertainty in applying ASC Topic 740 in the reporting period in which the Tax Act was enacted. The Tax Act included a reduction to the corporate income tax rate from 35 percent to 21 percent effective January 1, 2018. Tax expense was increased in the fourth quarter of 2017 by a provisional $806,000 to reflect the Tax Act changes. This increase includes $155,000 tax expense related to the revaluation of the deferred tax asset for items charged to AOCI. The revaluation of deferred tax assets related to items charged to AOCI was a component of 2017 income tax expense and recognized in continuing operations as required by ASC Topic 740.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
Commitments and Contingencies	Dec. 31, 2019
Commitments And Contingencies Disclosure [Abstract]
Commitments and Contingencies	Note 13 - Commitments and Contingencies Financial Instruments with Off-Balance Sheet Risk The subsidiary bank is party to financial instruments with off-balance sheet risks in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, lines of credit and standby letters of credit. These instruments involve elements of credit risk in excess of amounts recognized in the accompanying financial statements. The subsidiary bank’s risk of loss with the unfunded loans and lines of credit or standby letters of credit is represented by the contractual amount of these instruments. The Bank uses the same credit policies in making commitments under such instruments as it does for on-balance sheet instruments. The amount of collateral obtained, if any, is based on management’s credit evaluation of the borrower. Collateral held varies, but may include accounts receivable, inventory, real estate and time deposits with financial institutions. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Credit card commitments are unsecured. As of December 31, 2019 and 2018, outstanding financial instruments whose contract amounts represent credit risk were as follows: 2019 2018 (dollars in thousands) Commitments to extend credit $ 134,241 $ 110,329 Credit card commitments 11,650 10,611 Standby letters of credit 1,213 933 $ 147,104 $ 121,873 Contingencies In the normal course of business, the Company is involved in various legal proceedings. In the opinion of management, any liability resulting from such proceedings would not have a material adverse effect on the consolidated financial statements. Financial Instruments with Concentration of Credit Risk The subsidiary bank makes commercial, agricultural, real estate mortgage, home equity and consumer loans primarily in Stanly, Anson, Cabarrus and Mecklenburg counties. A substantial portion of the Company’s customers’ ability to honor their contracts is dependent on the economy in these counties. Although the Company’s composition of loans is diversified, there is some concentration of mortgage real estate loans, primarily 1-to-4 family residential mortgage loans and in commercial loans secured primarily by real estate, shopping center locations, commercial land development, commercial buildings and equipment in the total portfolio. The Bank’s policy is to abide by real estate loan-to-value margin limits corresponding to guidelines issued by the federal supervisory agencies on March 19, 1993. The Bank’s lending policy for all loans requires that they be supported by sufficient cash flows at the time of origination.

Related Party Transactions

Related Party Transactions	12 Months Ended
Related Party Transactions	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	Note 14 - Related Party Transactions The Company has granted loans to certain directors and executive officers and their related interests. Such loans are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other borrowers and, in management’s opinion, do not involve more than the normal risk of collectability. All loans to directors and executive officers or their related interests are submitted to the Board of Directors for approval. A summary of loans to directors, executive officers and their related interests follows: 2019 2018 (dollars in thousands) Balance, at beginning of the year $ 9,284 $ 8,692 Disbursements during the year 4,833 1,902 Collections during the year (3,822 ) (1,310 ) Balance, at end of the year $ 10,295 $ 9,284 At December 31, 2019, the Company had approved, but unused lines of credit, totaling $1.3 million to executive officers and directors, and their related interests, compared to $3.9 million at December 31, 2018. In addition, at December 31, 2019, the Company had $12.7 million of deposits for executive officers and directors, and their related interest compared to $10.6 million at December 31, 2018. In addition to deposits and loans, certain directors have been issued the subordinated debt of the Company. The amount of related interest in the Company’s subordinated debt in 2019 is $1.1 million compared to $795,000 at December 31, 2018. During 2017, the Company’s broker-dealer subsidiary (The Strategic Alliance Corp) brokered a private placement offering in the amount of $4.1 million, producing revenue in 2017 of $202,250. Certain officers and directors of the Bank were involved with the transaction as investors in the private placement.

Shareholders' Equity and Regula

Shareholders' Equity and Regulatory Matters	12 Months Ended
Shareholders' Equity and Regulatory Matters	Dec. 31, 2019
Equity [Abstract]
Shareholders' Equity and Regulatory Matters	Note 15 – Shareholders’ Equity and Regulatory Matters The Company and its banking subsidiary are subject to certain requirements imposed by state and federal banking statutes and regulations. These requirements, among other things, establish minimum levels of capital, restrict the amount of dividends that may be distributed, and require that reserves on deposit liabilities be maintained in the form of vault cash or deposits with the Federal Reserve Bank. For the reserve maintenance period in effect at December 31, 2019, the subsidiary bank was required to maintain reserve balances in cash or on deposit with the Federal Reserve Bank in the aggregate amount of $4.9 million as reserves on deposit liabilities. The Company and its subsidiary bank are subject to federal regulatory risk-based capital guidelines for banks and bank holding companies. Each must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices which measure Total Capital, Tier 1 Capital and Common Equity Tier 1 Capital to risk-weighted assets and Tier 1 Capital to average assets. In 2013, bank regulatory agencies approved regulatory capital guidelines (“Basel III”) aimed at strengthening existing capital requirements for banking organizations. The rules include a common equity Tier 1 capital to risk-weighted assets minimum ratio of 4.50%, a minimum ratio of Tier 1 capital to risk-weighted assets of 6.00%, require a minimum ratio of total capital to risk-weighted assets of 8.00%, and require a minimum Tier 1 leverage ratio of 4.00%. A capital conservation buffer, comprised of common equity Tier 1 capital, was also established above the regulatory minimum capital requirements. This capital conservation buffer will be phased in beginning January 1, 2016 at 0.625% of risk-weighted assets and increase each subsequent year by an additional 0.625% until reaching its final level of 2.50% on January 1, 2019. Strict eligibility criteria for regulatory capital instruments were also implemented under the rules. The rules also revise the definition and calculation of Tier 1 capital, total capital, and risk-weighted assets. The phase-in period for the rules became effective for the Company and its subsidiary bank on January 1, 2015, with full compliance of all the rules’ requirements phased in over a multi-year schedule, becoming fully phased-in on January 1, 2019. As of December 31, 2019, the Company and its subsidiary bank continue to exceed minimum capital standards and remain well-capitalized under the capital adequacy rules. Quantitative measures established by regulation to ensure capital adequacy and the Company’s consolidated capital ratios are set forth in the table below. The Company expects to meet or exceed these minimums without altering current operations or strategy. Minimum to Be Well Minimum Capitalized Under For Capital Prompt Corrective Actual Requirement Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019 Total Capital to Risk Weighted Assets: Consolidated $ 60,509 14.1 % $ 34,387 8.0 % $ 42,984 10.0 % Uwharrie Bank 58,082 13.6 % 34,098 8.0 % 42,622 10.0 % Tier 1 Capital to Risk Weighted Assets: Consolidated 48,536 11.3 % 25,790 6.0 % 34,387 8.0 % Uwharrie Bank 56,101 13.2 % 25,573 6.0 % 34,098 8.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 37,881 8.8 % 19,343 4.5 % 27,940 6.5 % Uwharrie Bank 45,446 10.7 % 19,180 4.5 % 27,704 6.5 % Tier 1 Capital to Average Assets: Consolidated 48,536 7.4 % 26,336 4.0 % 32,920 5.0 % Uwharrie Bank 56,101 8.5 % 26,249 4.0 % 32,812 5.0 % Note 15 – Shareholders’ Equity and Regulatory Matters (Continued) Minimum to Be Well Minimum Capitalized Under For Capital Prompt Corrective Actual Requirement Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2018 Total Capital to Risk Weighted Assets: Consolidated $ 58,777 14.0 % $ 33,660 8.0 % $ 42,076 10.0 % Uwharrie Bank 57,765 13.8 % 33,460 8.0 % 41,826 10.0 % Tier 1 Capital to Risk Weighted Assets: Consolidated 46,869 11.1 % 25,245 6.0 % 33,660 8.0 % Uwharrie Bank 55,391 13.2 % 25,095 6.0 % 33,460 8.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 36,214 8.6 % 18,934 4.5 % 27,349 6.5 % Uwharrie Bank 44,736 10.7 % 18,821 4.5 % 27,187 6.5 % Tier 1 Capital to Average Assets: Consolidated 46,869 7.4 % 25,347 4.0 % 31,683 5.0 % Uwharrie Bank 55,391 8.8 % 25,254 4.0 % 31,567 5.0 % As of December 31, 2019, the most recent notification from the Federal Deposit Insurance Corporation categorized the Company’s subsidiary bank as being well capitalized under the regulatory framework for prompt corrective action. There have been no conditions or events since such notification that management believes would have changed the categorization. In January 2013, the Company’s subsidiary bank issued $7.9 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series B. The preferred stock qualifies as Tier 1 capital at the subsidiary bank and pays dividends at a rate of 5.30%. The offering raised $7.9 million less issuance costs of $113,000. During 2013, the Company’s subsidiary bank raised $2.8 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C. The preferred stock qualifies as Tier 1 capital at the bank and pays dividends at an annual rate of 5.30%. The preferred stock has no voting rights. The offering raised $2.8 million in new capital less total issuance costs of $23,000. The total net amount of capital raised from Fixed Rate Noncumulative Perpetual Preferred Stock, Series B and Series C issued at the subsidiary bank level is presented as noncontrolling interest in the consolidated balance sheets. During the third quarter of 2019, the Company conducted a private placement offering of fixed rate junior subordinated debt securities at $1,000 per security with a required minimum investment of $50,000. The offering raised $10.0 million, of which the entire $10.0 million was outstanding at December 31, 2019. These securities have a final maturity date of September 30, 2029 and may be redeemed by the Company after September 30, 2024. The junior subordinated debt pays interest quarterly at an annual fixed rate of 5.25%. All proceeds of this private placement qualify and are included in the calculation of Tier 2 capital. Once the final maturity drops under five years, the Company must impose a twenty percent annual reduction per year of the amount of the proceeds from the sale of these securities that are eligible to be counted as Tier 2 capital. The Company will have a twenty percent reduction beginning at September 30, 2024. All of the Company’s aforementioned investment in its subsidiary bank qualifies for Tier 1 capital treatment for the bank and is included as such in its year end capital ratios. Note 15 – Shareholders’ Equity and Regulatory Matters (Continued) Stock Repurchase Program On February 21, 1995, the Company’s Board of Directors authorized and approved a Stock Repurchase Program, to be reaffirmed annually, pursuant to which the Company may repurchase shares of the Company’s common stock for the primary purpose of providing liquidity to its shareholders. During 2019, the Company repurchased 168,683 shares of outstanding common stock and repurchased 138,629 and 75,709 shares of outstanding common stock during 2018 and 2017, respectively.

Stock Based Compensation

Stock Based Compensation	12 Months Ended
Stock Based Compensation	Dec. 31, 2019
Disclosure Of Compensation Related Costs Sharebased Payments [Abstract]
Stock Based Compensation	Note 16 - Stock Based Compensation During 2006, the Company adopted the 2006 Incentive Stock Option Plan (“SOP II”) and the Employee Stock Purchase Plan (“SPP II”), under which options to purchase shares of the Company’s common stock may be granted to officers and eligible employees. Options granted under the SOP II are exercisable in established increments according to vesting schedules, generally three to five years, and will expire if not exercised within ten years of the date of grant. Options granted under the SPP II are fully vested at the date of grant and expire if not exercised within two years of the grant date. At December 31, 2019, both the SOP II plan and the SPP II plan had expired with no options outstanding. As of December 31, 2019, there was no unrecognized compensation cost related to non-vested share-based compensation arrangements granted under all of the Company’s stock benefit plans. There were 13,378 options exercised in 2018 at a weighted average exercise price of $4.93. There were no options exercised in 2019 or 2017.

Employee and Director Benefit P

Employee and Director Benefit Plans	12 Months Ended
Employee and Director Benefit Plans	Dec. 31, 2019
Postemployment Benefits [Abstract]
Employee and Director Benefit Plans	Note 17 - Employee and Director Benefit Plans Employees’ 401(k) Retirement Plan The Company has established an associate tax deferred savings plan under Section 401(k) of the Internal Revenue Code of 1986. All associates are eligible to make elective deferrals on the first day of the calendar month coincident or next following the date the associate attains the age of 18 and completes thirty days of eligibility service. Employees are 100% vested in the plan once they enroll. The Company’s annual contribution to the plan was $446,228 in 2019, $428,162 in 2018 and $361,936 in 2017, determined as follows: • The Company will contribute a safe harbor matching contribution in an amount equal to: (i) 100% of the matched employee contributions that are not in excess of 3% of compensation, plus (ii) 50% of the amount of the matched employee contributions that exceed 3% of compensation, but do not exceed 5% of compensation. • A discretionary contribution, subject to approval by the Board of Directors, limited to an amount not to exceed the maximum amount deductible for income tax purposes. Note 17 - Employee and Director Benefit Plans (Continued) Supplemental Executive Retirement Plan The Company has implemented a non-qualifying deferred compensation plan for certain executive officers. Certain of the plan benefits will accrue and vest during the period of employment and will be paid in fixed monthly benefit payments for up to ten years upon separation from service. The plan also provides for payment of death benefits and for payment of disability benefits in the event the officer becomes permanently disabled prior to separation from service. Effective December 31, 2008, this plan was amended and restated to comply with Section 409A of the Internal Revenue Code. The participants’ account liability balances as of December 31, 2008 could be transferred into a trust fund, where investments will be participant-directed. The plan is structured as a defined contribution plan and the Company’s expected annual funding contribution for the participants has been calculated through the participant’s expected retirement date. Under terms of the agreement, the Company has reserved the absolute right, at its sole discretion, to either fund or refrain from funding the plan. The plan also provides for payment of death benefits and for payment of disability benefits in the event the officer becomes permanently disabled prior to separation from service. The plans assets are maintained in a rabbi trust and are recorded at fair value with the corresponding liability adjusted to the same fair value. During each year of 2019, 2018 and 2017, $336,800 was expensed for benefits provided under the plans. The liability accrued for deferred compensation under the plan amounted to $4.7 million and $4.4 million at December 31, 2019 and 2018, respectively. Note 17 - Employee and Director Benefit Plans (Continued) Split-Dollar Life Insurance The Company has entered into Life Insurance Endorsement Method Split-Dollar Agreements with certain officers. Under these agreements, upon death of the officer, the Company first recovers the cash surrender value of the contract and then shares the remaining death benefits from insurance contracts, which are written with different carriers, with the designated beneficiaries of the officers. The death benefit to the officers’ beneficiaries is a multiple of base salary at the time of the agreements. The Company, as owner of the policies, retains an interest in the life insurance proceeds and a 100% interest in the cash surrender value of the policies. During 2019, 2018, and 2017, the expense associated with these policies was $13,107, $1,846, and $10,533 respectively. The liability associated with the split-dollar life insurance policies is $786,000 and $773,000 at December 31, 2019 and 2018, respectively. Stock Grant Plan During 2015, the Company adopted the 2015 Stock Grant Plan (“SGP”), under which the Company, at its discretion, may choose to make grants or awards of Uwharrie Capital Corp common stock (the “Common Stock”) to employees, directors or independent contractors of the Company or its subsidiaries as an alternate form of compensation or as a performance bonus. Shares of Common Stock to be used for Stock Grants under this Plan will be outstanding shares purchased by a revocable trust formed by the Company (the “Trust”). Participants will be 100% vested in the shares purchased on their behalf as soon as the Trust’s purchase is completed. The Company recognizes expense for the value of the shares at the time they are purchased by the Trust. During 2019 there were 14,400 shares granted at an expense of $72,000 compared to 8,926 shares granted at an expense of $50,000 in 2018 and 8,734 shares granted at an expense of $50,000 in 2017.

Fair Values of Financial Instru

Fair Values of Financial Instruments and Interest Rate Risk	12 Months Ended
Fair Values of Financial Instruments and Interest Rate Risk	Dec. 31, 2019
Investments All Other Investments [Abstract]
Fair Values of Financial Instruments and Interest Rate Risk	Note 18 - Fair Values of Financial Instruments and Interest Rate Risk ASC 825, “Disclosures about Fair Value of Financial Instruments,” requires disclosure of the fair value of financial assets and financial liabilities, including those that are not measured and reported at fair value on a recurring basis or non-recurring basis. The fair value estimates presented at December 31, 2019 and December 31, 2018, are based on relevant market information and information about the financial instruments. Fair value estimates are intended to represent the price an asset could be sold at or the price a liability could be settled for. However, given there is no active market or observable market transactions for many of the Company’s financial instruments, the Company has made estimates of many of these fair values which are subjective in nature, involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimated values. The estimated fair values disclosed in the following table do not represent market values of all assets and liabilities of the Company and should not be interpreted to represent the underlying value of the Company. The following table reflects a comparison of carrying amounts and the estimated fair value of the financial instruments as of December 31, 2019 and December 31, 2018: Carrying Estimated December 31, 2019 Value Fair Value Level 1 Level 2 Level 3 (dollars in thousands) FINANCIAL ASSETS Cash and cash equivalents $ 155,198 $ 117,938 $ 115,693 $ 2,245 $ — Securities available for sale 88,524 88,524 5,012 83,512 — Securities held to maturity 13,428 13,499 — 10,499 3,000 Loans held for investment, net 355,969 354,269 — — 354,269 Loans held for sale 2,946 2,946 — 2,946 — Restricted stock 1,144 1,144 1,144 — — Loan servicing rights 1,723 3,228 — 3,228 — Accrued interest receivable 1,666 1,666 — — 1,666 FINANCIAL LIABILITIES Deposits $ 585,878 567,130 $ — $ 567,130 $ — Short-term borrowings 626 626 — 626 — Long-term debt 9,992 10,180 — — 10,180 Accrued interest payable 55 55 — — 55 Note 18 - Fair Values of Financial Instruments and Interest Rate Risk (Continued) Carrying Estimated December 31, 2018 Value Fair Value Level 1 Level 2 Level 3 (dollars in thousands) FINANCIAL ASSETS Cash and cash equivalents $ 117,934 $ 117,901 $ 115,693 $ 2,208 $ — Securities available for sale 91,299 91,299 4,955 86,344 — Securities held to maturity 10,837 10,750 — 10,750 — Loans held for investment, net 367,596 364,636 — — 364,636 Loans held for sale 4,800 4,800 — 4,800 — Restricted stock 1,094 1,094 1,094 — — Mortgage servicing rights 1,850 3,455 — 3,455 — Accrued interest receivable 1,763 1,763 — — 1,763 FINANCIAL LIABILITIES Deposits $ 566,901 $ 521,508 $ — $ 521,508 $ — Short-term borrowings 1,190 1,190 — 1,190 — Long-term debt 9,974 10,086 — — 10,086 Accrued interest payable 16 16 — — 16 At December 31, 2019, the subsidiary bank had outstanding standby letters of credit and commitments to extend credit. These off-balance sheet financial instruments are generally exercisable at the market rate prevailing at the date the underlying transaction will be completed. The fair value is not material. See Note 13. Note 18 - Fair Values of Financial Instruments and Interest Rate Risk (Continued) The following table provides fair value information for assets and liabilities measured at fair value on a recurring basis as of December 31, 2019 and 2018: December 31, 2019 (dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale: US Treasury $ 5,012 $ 5,012 $ — $ — US Government 25,686 — 25,686 — Mortgage-backed securities and CMO’s 38,576 — 38,576 — State and political subdivisions 14,221 — 14,221 — Corporate bonds 5,029 — 5,029 — Total assets at fair value $ 88,524 $ 5,012 $ 83,512 $ — Total liabilities at fair value $ — $ — $ — $ — December 31, 2018 (dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale: US Treasury $ 4,955 $ 4,955 $ — $ — US Government 51,916 — 51,916 — Mortgage-backed securities and CMO’s 16,702 — 16,702 — State and political subdivisions 12,955 — 12,955 — Corporate bonds 4,771 — 4,771 — Total assets at fair value $ 91,299 $ 4,955 $ 86,344 $ — Total liabilities at fair value $ — $ — $ — $ — The Company may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets re-measured at fair value during the period are included in the table below as of December 31, 2019 and December 31, 2018: December 31, 2019 (dollars in thousands) Total Level 1 Level 2 Level 3 Impaired loans $ 3,771 $ — $ — $ 3,771 Other real estate owned 364 — — 364 Total assets at fair value $ 4,135 $ — $ — $ 4,135 Total liabilities at fair value $ — $ — $ — $ — December 31, 2018 (dollars in thousands) Total Level 1 Level 2 Level 3 Impaired loans $ 3,279 $ — $ — $ 3,279 Other real estate owned 951 — — 951 Total assets at fair value $ 4,230 $ — $ — $ 4,230 Total liabilities at fair value $ — $ — $ — $ — Quantitative Information about Level 3 Fair Value Measurements Note 18 - Fair Values of Financial Instruments and Interest Rate Risk (Continued) General December 31, 2019 Valuation Technique Unobservable Input Range Nonrecurring measurements: Impaired loans Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 25% Discounted cash flows Discount rates 4%-8.75% OREO Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 10% General December 31, 2018 Valuation Technique Unobservable Input Range Nonrecurring measurements: Impaired loans Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 25% Discounted cash flows Discount rates 4%-8.75% OREO Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 10% At December 31, 2019 and 2018, impaired loans were being evaluated with discounted expected cash flows for performing TDRs and discounted appraisals were being used on collateral dependent loans.

Parent Company Financial Data

Parent Company Financial Data	12 Months Ended
Parent Company Financial Data	Dec. 31, 2019
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Parent Company Financial Data	Note 19 - Parent Company Financial Data The following is a summary of the condensed financial statements of Uwharrie Capital Corp: Condensed Balance Sheets December 31, 2019 2018 (dollars in thousands) Assets Cash and demand deposits $ 526 $ 287 Interest-earning deposits 1,589 1,256 Investments in: Bank subsidiaries 45,770 43,042 Nonbank subsidiaries 381 450 Other assets 2,073 1,638 Total assets $ 50,339 $ 46,673 Liabilities and shareholders’ equity Master notes $ 626 $ 1,190 Short term debt — — Long term debt 9,992 9,974 Other liabilities 1,518 989 Total liabilities 12,136 12,153 Shareholders’ equity 38,203 34,520 Total liabilities and shareholders’ equity $ 50,339 $ 46,673 Note 19 - Parent Company Financial Data (Continued) Condensed Statements of Income 2019 2018 2017 (dollars in thousands) Equity in undistributed earnings (loss) of subsidiaries $ 1,206 $ 2,026 $ 745 Dividends received from subsidiaries 2,750 1,150 1,500 Interest income 15 17 6 Other income 41 80 93 Interest expense (577 ) (571 ) (564 ) Other operating expense (578 ) (410 ) (436 ) Income tax benefit 230 185 267 Net income $ 3,087 $ 2,477 $ 1,611 Consolidated net income $ 3,087 $ 2,477 $ 1,611 Less: Net income attributable to noncontrolling interest (564 ) (570 ) (592 ) Net income attributable to Uwharrie Capital Corp 2,523 1,907 1,019 Net income available to common shareholders $ 2,523 $ 1,907 $ 1,019 Net income per common share Basic $ 0.36 $ 0.26 $ 0.14 Diluted $ 0.36 $ 0.26 $ 0.14 Weighted average shares outstanding Basic 7,066,880 7,229,333 7,427,036 Diluted 7,066,880 7,229,333 7,427,804 Condensed Statements of Cash Flows 2019 2018 2017 (dollars in thousands) Cash flows from operating activities Net income $ 3,087 $ 2,477 $ 1,611 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed (earnings) loss of subsidiaries (1,206 ) (2,026 ) (745 ) Increase in other assets (435 ) (198 ) (124 ) Increase in other liabilities 528 220 267 Net cash provided by operating activities 1,974 473 1,009 Cash flows from financing activities Decrease in master notes (564 ) (562 ) (410 ) Decrease in short-term debt — — (500 ) Increase (decrease) in long-term debt (440 ) 440 — Net increase in subordinated debentures 458 — — Net increase in investment in subsidiaries — (250 ) — Net proceeds from issuance of common stock - stock options — 65 — Repurchase of common stock, net (850 ) (747 ) (391 ) Cash paid for fractional shares (7 ) (7 ) (7 ) Other, net 1 — — Net cash used by financing activities (1,402 ) (1,061 ) (1,308 ) Net decrease in cash and cash equivalents 572 (588 ) (299 ) Cash and cash equivalents at beginning of year 1,543 2,131 2,430 Cash and cash equivalents at end of year $ 2,115 $ 1,543 $ 2,131

Selected Financial Data

Selected Financial Data	12 Months Ended
Selected Financial Data	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Selected Financial Data	Selected Financial Data (dollars in thousands except ratios, per share and shares outstanding information) 2019 2018 2017 2016 2015 Summary of Operations Interest income $ 23,767 $ 21,873 $ 19,340 $ 18,046 $ 17,847 Interest expense 3,565 1,882 1,277 1,310 1,733 Net interest income 20,202 19,991 18,063 16,736 16,114 Provision for (recovery of) loan losses (588 ) 90 (236 ) (88 ) (620 ) Noninterest income 9,005 8,279 8,425 9,357 7,712 Noninterest expense 25,937 25,124 23,304 23,075 21,633 Income taxes 771 579 1,809 895 806 Net income $ 3,087 $ 2,477 $ 1,611 $ 2,211 $ 2,007 Less: Net income attributable to noncontrolling interest (564 ) (570 ) (592 ) (593 ) (592 ) Less: Dividends on preferred stock $ — $ — $ — $ — $ — Net Income (loss) available to common shareholders $ 2,523 $ 1,907 $ 1,019 $ 1,618 $ 1,415 Per Common Share Net income – basic (1) $ 0.35 $ 0.26 $ 0.14 $ 0.21 $ 0.19 Net income (loss) – diluted (1) 0.35 0.26 0.14 0.21 0.19 Book value (1) 5.38 4.75 4.58 4.40 4.33 Weighted Average Shares Outstanding: Basic (1) 7,199,262 7,229,333 7,427,036 7,531,360 7,634,024 Diluted (1) 7,199,262 7,229,333 7,427,804 7,531,470 7,634,024 Ratios Return on average assets 0.48 % 0.40 % 0.28 % 0.41 % 0.38 % Return on average equity 6.43 % 5.57 % 3.62 % 4.99 % 4.65 % Average equity to average assets 7.43 % 7.26 % 7.78 % 8.29 % 8.27 % Selected Year-end Balances Assets $ 656,793 $ 632,304 $ 577,253 $ 548,230 $ 532,202 Loans held for investment 357,950 369,970 356,871 341,829 320,132 Securities 101,952 102,136 107,201 117,889 100,500 Deposits 585,878 566,901 512,628 485,719 467,733 Borrowed funds 10,618 11,164 11,286 12,208 15,305 Shareholders’ equity 48,858 45,175 44,540 43,525 43,314 Selected Average Balances Assets $ 645,681 $ 612,403 $ 572,630 $ 534,296 $ 521,699 Loans held for investment 369,540 369,419 348,980 334,317 316,485 Securities 100,775 103,223 113,025 107,396 112,348 Deposits 575,480 548,296 509,352 470,921 458,655 Borrowed funds 10,956 11,284 11,679 12,898 14,432 Shareholders’ equity 47,993 44,468 44,542 44,283 43,123 (1) Net income per share, book value per share, weighted average shares outstanding and shares outstanding at year-end for years 2018 through 2015 have been adjusted to reflect the 2% stock dividends in 2019, 2018, 2017 and 2016.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	12 Months Ended
Significant Accounting Policies (Policies)	Dec. 31, 2019
Significant Accounting Policies [Line Items]
Nature of Business	Nature of Business Uwharrie Capital Corp (the “Company”) was incorporated under North Carolina law for the purpose of becoming the holding company for Bank of Stanly (“Stanly”). On July 1, 1993, Stanly became a wholly-owned subsidiary of the Company through a one-for-one exchange of the common stock of Stanly for common stock of the Company. On September 1, 2013, Bank of Stanly changed its name to Uwharrie Bank (“Uwharrie” or the “Bank”). Uwharrie was incorporated on September 28, 1983, under the laws of the State of North Carolina and began operations on January 26, 1984 in Albemarle, North Carolina. Deposits with Uwharrie are insured by the Federal Deposit Insurance Corporation (“FDIC”). Uwharrie is under regulation of the Federal Reserve, the FDIC and the North Carolina Commissioner of Banks. In North Carolina, Uwharrie has ten branch locations that provide a wide range of deposit accounts, commercial, consumer, home equity and residential mortgage loans, safe deposit boxes and automated banking. In 1987, Uwharrie established a wholly-owned subsidiary, BOS Agency, Inc. (“BOS Agency”), which engages in insurance product sales. In 1989, Uwharrie established a second wholly-owned subsidiary, BOS Financial Corporation, for the purpose of conducting business as a “broker dealer” in securities. During 1993, BOS Financial Corporation changed its name to The Strategic Alliance Corporation (“Strategic Alliance”) and was registered as a “broker dealer” and is regulated by the Financial Industry Regulatory Authority (“FINRA”). The Company formed a new subsidiary, Strategic Investment Advisors, Inc. (“SIA”), during 1998 to provide investment advisory and asset management services. This subsidiary is registered as an investment advisor with the Securities and Exchange Commission. During 2015, SIA changed its name to Uwharrie Investment Advisors, Inc. (“UIA”). On January 19, 2000, the Company completed its acquisition of Anson BanCorp, Inc. and its subsidiary, Anson Savings Bank. The savings bank retained its North Carolina savings bank charter and became a wholly-owned subsidiary of Uwharrie Capital Corp as Anson Bank & Trust Company (“Anson”), operating out of its main office branch in Wadesboro. Anson was consolidated into Uwharrie Bank effective September 1, 2013. On August 4, 2000, Uwharrie acquired another subsidiary, Gateway Mortgage, Inc. (“Gateway”), a mortgage origination company. This company is currently inactive and does not affect the Company’s consolidated financial statements. On April 10, 2003, the Company capitalized a new wholly-owned subsidiary bank, Cabarrus Bank & Trust Company (“Cabarrus”), located in Concord, North Carolina. As of that date, Cabarrus purchased two branch offices located in Cabarrus County from Uwharrie to begin its operation. Cabarrus operated as a commercial bank and provided a full range of banking services. Cabarrus was consolidated into Uwharrie Bank effective September 1, 2013. On April 7, 2004 Uwharrie Mortgage, Inc. was established as a subsidiary of the Company to serve in the capacity of trustee and substitute trustee under deeds of trust.
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of the Company, Uwharrie, UIA and Uwharrie’s subsidiaries, BOS Agency and Strategic Alliance. All significant intercompany transactions and balances have been eliminated in consolidation.
Use of Estimates	Use of Estimates The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses.
Cash and Cash Equivalents	Cash and Cash Equivalents For the purpose of presentation in the consolidated statements of cash flows, cash and cash equivalents are defined as those amounts included in the balance sheet captions “Cash and due from banks” and “Interest-earning deposits with banks.”
Loans Held for Sale	Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income.
Loans	Loans The Company divides the loans it originates into two segments, commercial and noncommercial loans. Commercial loans are broken down into the following classes: commercial loans, real estate commercial loans and other real estate construction loans. Noncommercial loans are divided into the following classes: real estate 1-4 family construction, real estate 1-4 family residential loans, home equity loans, consumer loans and other loans. The ability of the Company’s borrowers to honor their contracts is largely dependent upon the real estate and general economic conditions in the Company’s market area. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective interest method. The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. The exception to this policy is credit card loans that remain in accrual status 90 days or more until they are paid current or charged off. All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these impaired loans is accounted for on a cash basis until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Generally, a minimum of six months of sustained performance is required.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses. The provision for loan losses is expensed to earnings. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company has different specific risks identified within the loan segments. Specific risks within the commercial loan segment arise with borrowers that are experiencing diminished operating cash flows, depreciated collateral values or prolonged sales and rental absorption periods. Concentrations within the portfolio, if unmanaged, pose additional risk. Occasionally, the Company will purchase participation loans from other institutions. If these loans are not independently underwritten by the Bank, they could carry additional risk. Generally, owner-occupied commercial real estate loans carry less risk than non-owner occupied. Specific risks within the non-commercial portfolio tend to be tied to economic factors including high unemployment and decreased real estate values. Risk to the Company is greater as home values deteriorate more rapidly than amortization in a loan, leaving little to no equity in properties, especially in junior lien positions. Concentration in the portfolio, such as home equity lines of credit, could pose additional risk if not appropriately managed. The allowance for loan losses is evaluated both individually and collectively by loan class on a regular basis by management. Loans are collectively evaluated based upon management’s periodic review of the collectability of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower’s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. Individually evaluated loans are based upon discounted cash flows or the underlying value of the collateral. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. In addition, regulatory examiners may require the Company to recognize adjustments to the allowance for loan losses based on their judgment about information available to them at the time of their assessment. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Homogeneous loans are collectively evaluated by loan class for impairment. However, once a loan is deemed impaired, it will be evaluated individually for specific impairment. Troubled debt restructure loans (TDRs) are modifications of a loan when a borrower is experiencing financial difficulty and the modification involves providing a concession to the existing loan contract. TDRs are considered to be impaired loans and are individually evaluated for impairment. The portion of the Company’s allowance for loan loss model related to general reserves captures the mean loss of individual loans within the loan portfolio and adds additional loss based on economic uncertainty and volatility. Specifically, the Company calculates probable losses on loans by computing a probability of loss and multiplying that by a loss given default derived from historical experience, thus deriving the estimated loss scenario by FDIC call report codes. Together, these components, as well as a reserve for qualitative factors based on management’s discretion of economic conditions and portfolio concentrations, form the basis of the allowance model. The loans that are impaired and included in the specific reserve are excluded from these calculations.
Loan Servicing Rights	Loan Servicing Rights The Company capitalizes mortgage and Small Business Administration (SBA) loan servicing rights when loans are sold and the loan servicing is retained. The amortization of servicing rights is realized over the estimated period that net servicing revenues are expected to be received. These projections are based on the amount and timing of estimated future cash flows. The amortization of servicing rights is recognized in the statement of income as an offset to other noninterest income. Servicing assets are periodically evaluated for impairment based upon their fair value. Fair value is based upon discounted cash flows using market-based assumptions. Impairment is recognized through a valuation allowance and charged to other expense.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Real Estate	Foreclosed Real Estate Real estate properties acquired through foreclosure or other proceedings are initially recorded at fair value less costs to sell upon foreclosure, establishing a new cost basis. Annually, valuations are performed and the foreclosed property is adjusted to the lower of cost or fair value of the properties, less costs to sell. Any write-down at the time of transfer to foreclosed properties is charged to the allowance for loan losses. Subsequent write-downs are charged to noninterest expense, and costs related to the improvement of the property are capitalized if the fair value less cost to sell will allow it. If not, these costs are expensed also.
Premises and Equipment	Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Land is carried at cost. Additions and major replacements or betterments which extend the useful lives of premises and equipment are capitalized. Maintenance, repairs and minor improvements are expensed as incurred. Depreciation is computed principally by the straight-line method over estimated useful lives, except in the case of leasehold improvements, which are amortized over the term of the leases, if shorter. Useful lives range from five to seven years for furniture, fixtures and equipment, to ten to thirty-nine years for leasehold improvements and buildings, respectively. Upon retirement or other disposition of the assets, the cost and the related accumulated depreciation are removed from the accounts and any gains or losses are reflected in income. ROU assets that are recognized at the initial adoption of a lease arrangement are included in premises and equipment. More information regarding ROU assets can be found in Note 8 (Leases).
Restricted Stock	Restricted Stock As a requirement for membership, the Bank invests in the stock of the Federal Home Loan Bank of Atlanta (“FHLB”) and Federal Reserve Bank (“FRB”). These investments are carried at cost. Due to the redemption provisions of these investments, the Company estimated that fair value approximates cost and that this investment was not impaired.
Stock-Based Compensation	Stock-Based Compensation The Company recognizes the cost of employee services received in exchange for an award of equity instruments in the financial statements over the period the employee is required to perform the services in exchange for the award (presumptively the vesting period). Accounting Standards Codification (ASC) 718 also requires measurement of the cost of employee services received in exchange for an award based on the grant-date fair value of the award. As of December 31, 2019 and December 31, 2018, there are no outstanding awards.
Income Taxes	Income Taxes The Company and its subsidiaries file a consolidated federal income tax return and separate North Carolina income tax returns. The provision for income taxes in the accompanying consolidated financial statements is provided on a liability method whereby deferred tax assets are recognized for deductible temporary differences and deferred tax liabilities are recognized for taxable temporary differences. Temporary differences are the differences between the reported amounts of assets and liabilities and their tax bases. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that some portion or all of the deferred tax assets will not be realized. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. We record uncertain tax positions in accordance with ASC 740 on the basis of a two-step process whereby (1) we determine whether it is more likely than not that the tax positions will be sustained on the basis of the technical merits of the position and (2) for those tax positions that meet the more-likely-than-not recognition threshold. The tax returns for the Company are subject to audit for the 2016 fiscal year and thereafter. It is the Company’s policy to recognize interest and penalties associated with uncertain tax positions as components of other expenses in the income statement; however, if interest becomes a material amount, it would be reclassified as interest expense. There were no interest or penalties accrued during the years ended December 31, 2019, 2018 and 2017.
Leases	Leases Operating leases in which we are the lessee are recorded as operating lease ROU assets and operating lease liabilities, included in premises and equipment and other liabilities, respectively, on our consolidated balance sheet. We do not currently have any significant finance leases in which we are the lessee. Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease. ROU assets and operating Note 1 - Significant Accounting Policies (Continued) lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental collateralized borrowing rate at the lease commencement date. ROU assets are further adjusted for the lease incentives. Operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, is recognized on a straight-line basis over the lease term, and is recorded in the net occupancy expense in the consolidated statement of income
Revenue Recognition	Revenue Recognition Under ASU 2014-09, “Revenue from Contracts with Customers (Topic 606)”, for revenue not associated with financial instruments, guarantees and lease contracts, we apply the following steps when recognizing revenue from contracts with customers: (i) identify the contract, (ii) identify the performance obligations, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations and (v) recognize revenue when the performance obligation is satisfied. Our contracts with customers are generally short term in nature, typically due within one year or less or cancellable by us or our customer upon a short notice period. Performance obligations for our customer contracts are generally satisfied at a single point in time, typically when the transaction is complete, or over time. For performance obligations satisfied over time, we primarily use the output method, directly measuring the value of the products/services transferred to the customer, to determine when performance obligations have been satisfied. We typically receive payment from customers and recognize revenue concurrent with the satisfaction of our performance obligations. In most cases, this occurs within a single financial reporting period. For payments received in advance of the satisfaction of performance obligations, revenue recognition is deferred until such time the performance obligations have been satisfied. In cases where we have not received payment despite satisfaction of our performance obligations, we accrue an estimate of the amount due in the period our performance obligations have been satisfied. For contracts with variable components, only amounts for which collection is probable are accrued. We generally act in a principal capacity, on our own behalf, in most of our contracts with customers. In such transactions, we recognize revenue and the related costs to provide our services on a gross basis in our financial statements. In some cases, we act in an agent capacity, deriving revenue through assisting other entities in transactions with our customers. In such transactions, we recognize revenue and the related costs to provide our services on a net basis in our financial statements. These transactions primarily relate to insurance and brokerage commissions and fees derived from our customers' use of various interchange and ATM/debit card/credit card networks.
Fair Value of Financial Instruments	Fair Value of Financial Instruments ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements. ASC 820 does not require any new fair value measurements, but clarifies and standardizes some divergent practices that have emerged since prior guidance was issued. ASC 820 creates a three-level hierarchy under which individual fair value estimates are to be ranked based on the relative reliability of the inputs used in the valuation. ASC 820 defines fair value as the price that would be received to sell an asset or transfer a liability in an orderly transaction between market participants at the measurement date. When determining the fair value measurements for assets and liabilities, the Company considers the principal or most advantageous market in which those assets or liabilities are sold and considers assumptions that market participants would use when pricing those assets or liabilities. Fair values determined using Level 1 inputs rely on active and observable markets to price identical assets or liabilities. In situations where identical assets and liabilities are not traded in active markets, fair values may be determined based on Level 2 inputs, which exist when observable data exists for similar assets and liabilities. Fair values for assets and liabilities for which identical or similar assets and liabilities are not actively traded in observable markets are based on Level 3 inputs, which are considered to be unobservable. Among the Company’s assets and liabilities, investment securities available for sale are reported at their fair values on a recurring basis. Certain other assets are adjusted to their fair value on a nonrecurring basis, including other real estate owned, impaired loans, loans held for sale, which are carried at the lower of cost or market; and loan servicing rights, where fair value is determined using similar assets with similar characteristics, when available, or based upon discounted cash flows using market-based assumptions. Deposits, short-term borrowings and long-term obligations are not reported at fair value. Prices for US Treasury securities are readily available in the active markets in which those securities are traded, and the resulting fair values are shown in the “Level 1 input” column. Prices for government agency securities, mortgage-backed securities and for state, county and municipal securities are obtained for similar securities, and the resulting fair values are shown in the “Level 2 input” column. Prices for all other non-marketable investments are determined based on various assumptions that are not observable. The fair values for these investment securities are shown in the “Level 3 input” column. Non-marketable investment securities, which are carried at their purchase price, include those that may only be redeemed by the issuer. The Company does not record loans at fair value on a recurring basis. However, from time to time, a loan is considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. Once a loan is identified as individually impaired, management measures impairment by using one of several methods including collateral value, fair value of similar debt or discounted cash flows. Those impaired loans not requiring an allowance represent loans for which the present value of the expected repayments or fair value of collateral exceed the recorded investments in such loans. The Company typically bases the fair value of the collateral on appraised values which the Company considers Level 3 valuations. Foreclosed assets are adjusted to fair value upon transfer of the loans to other real estate owned. Real estate acquired in settlement of loans is recorded initially at the estimated fair value of the property less estimated selling costs at the date of foreclosure. The initial recorded value may be subsequently reduced by additional allowances, which are charged to earnings if the estimated fair value of the property less estimated selling costs declines below the initial recorded value. Fair value is based upon independent market prices, appraised values of the collateral or management’s estimation of the value of the collateral. The Company typically bases the fair value of the collateral on appraised values which the Company considers Level 3 valuations. Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value in the aggregate, based on secondary market prices. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. These loans are recorded in Level 2.
Comprehensive Income	Comprehensive Income The Company reports as comprehensive income all changes in shareholders’ equity during the year from sources other than shareholders. Other comprehensive income refers to all components (revenues, expenses, gains, and losses) of comprehensive income that are excluded from net income. The Company’s only component of other comprehensive income is unrealized gains and losses, net of income tax, on investment securities available for sale. The following table presents the changes in accumulated other comprehensive income for the years ended December 31, 2019, 2018 and 2017: Year ended December 31, 2019 2018 2017 (dollars in thousands) Beginning Balance $ (1,694 ) $ (1,107 ) $ (1,318 ) Accumulated Other comprehensive income (loss) before reclassifications, net of ($595), $171 and ($185) tax effect, respectively 1,989 (587 ) 356 Amounts reclassified from accumulated other comprehensive income, net of ($7), $0, and ($4) tax effect, respectively 28 — 10 Net current-period other comprehensive loss 2,017 (587 ) 366 Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect — — (155 ) Ending Balance $ 323 $ (1,694 ) $ (1,107 )
Earnings per Common Share	Earnings per Common Share The Company had no stock options outstanding at December 31, 2019 or December 31, 2018. Basic earnings per share (“EPS”) excludes dilution and is computed by dividing income available to common shareholders by the weighted-average number of common shares outstanding for the period. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity. On November 12, 2019, the Company’s Board of Directors declared a 2% stock dividend payable on December 9, 2019 to shareholders of record on November 25, 2019. All information presented in the accompanying consolidated financial statements regarding earnings per share and weighted average number of shares outstanding has been computed giving effect to this stock dividend. The computation of weighted average shares used in the calculation of basic and dilutive earnings per share is summarized below: 2019 2018 2017 Weighted average number of common shares used in computing basic net income per common share 7,199,262 7,229,333 7,427,036 Effect of dilutive stock options — — 768 Weighted average number of common shares and dilutive potential common shares used in computing diluted net income per common share 7,199,262 7,229,333 7,427,804 Note 1 - Significant Accounting Policies (Continued)
Noncontrolling Interest	Noncontrolling Interest In January 2013 the Company’s subsidiary banks issued a total of $7.9 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series B. The preferred stock qualified as Tier 1 capital at each bank and pays dividends at an annual rate of 5.30%. The preferred stock has no voting rights. This capital is presented as noncontrolling interest in the consolidated balance sheets. Dividends declared on this preferred stock are presented as earnings allocated to the noncontrolling interest in the consolidated statements of income. Effective September 1, 2013, the Fixed Rate Noncumulative Perpetual Preferred Stock, Series B was rolled into one issue under Uwharrie Bank in connection with the consolidation and name change. During 2013, the Company’s subsidiary bank, Uwharrie Bank, raised $2.8 million of Fixed Rate Noncumulative Perpetual Preferred Stock, Series C. The preferred stock qualifies as Tier 1 capital at the bank and pays dividends at an annual rate of 5.30%. The preferred stock has no voting rights.
Recent Accounting Pronouncements	Recent Accounting Pronouncements ASU 2016-02, “Leases, Topic 842” was adopted January 1, 2019. This ASU increases the transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements. The key difference between previous standards and this ASU is the requirement for lessees to recognize on their balance sheet all lease contracts with lease terms greater than 12 months, including operating leases. Both a ROU asset, representing the right to use the leased asset, and a lease liability, representing the contractual obligation, are required to be recognized on the balance sheet of the lessee at lease commencement. Further, this ASU requires lessees to classify leases as either operating or finance leases, which are substantially similar to the current operating and capital leases classifications. The distinction between these two classifications under the new standard does not relate to balance sheet treatment, but relates to treatment in the statements of income and cash flows. Lessor guidance remains largely unchanged with the exception of how a lessor determines the appropriate lease classification for each lease to better align the lessor guidance with revised lessee classification guidance. The impact of the new standard increased assets by $1.9 million and liabilities by $2.0 million, from the year ended December 31, 2018 to the year ended December 31, 2019. We currently have three properties that we operate with a lease term greater than one year. ASU 2014-09. “Revenue from Contracts with Customers (Topic 606)” was adopted as of January 1, 2018. ASU 2014-09 requires us to report network costs associated with debit card and credit card transactions netted against the related fees from such transactions. Previously, such network costs were reported as a component of other non-interest expense. For the twelve months ended December 31, 2019, gross interchange and card transaction fees totaled $2.0 million while related network costs totaled $1.2 million. On a net basis, we reported $826,000 as interchange and card transaction fees in the accompanying Consolidated Statement of Income for the twelve months ended December 31, 2019. For the twelve months ended December 31, 2018 and December 31, 2017, interchange and card transaction fees were $1.7 million and $1.6 million, respectively, on a gross basis while related network costs were $1.1 million and $913,000, respectively. As a result of the adoption of this standard, balances in prior years were re-classified to reflect the net presentation. In 2018 and 2017, interchange and card transaction fees, net were $648,000 and $656,000, respectively. In June 2016, the FASB issued ASU 2016-13, “Financial Instruments-Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments”. ASU 2016-13 requires an entity to utilize a new impairment model known as the current expected credit loss (“CECL”) model to estimate its lifetime “expected credit loss” and record an allowance that, when deducted from the amortized cost basis of the financial asset, presents the net amount expected to be collected on the financial asset. The CECL model is expected to result in earlier recognition of credit losses. ASU 2016-13 also requires new disclosures for financial assets measured at amortized cost, loans and available-for-sale debt securities. The updated guidance is effective for interim and annual reporting periods beginning after December 15, 2019, including interim periods within those fiscal years. Early adoption is permitted. During 2019, the effective date was extended to fiscal years ended on or after December 15, 2022 for public entities that qualify as smaller reporting companies, per the Securities Exchange Commission definition, which currently includes the Company. Entities will apply the standard’s provisions as a cumulative effect adjustment to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. We have entered into a contract to outsource our current model with a CECL-ready vendor. We are currently evaluating the various methods of determining credit losses within the software. The impact of the adoption is dependent on loan portfolio composition and credit quality at adoption date, as well as economic conditions and forecasts at that time. From time to time the FASB issues exposure drafts of proposed statements of financial accounting standards. Such exposure drafts are subject to comment from the public, to revisions by the FASB and to final issuance by the FASB as statements of financial accounting standards. Management considers the effect of the proposed statements on the consolidated financial statements of the Company and monitors the status of changes to and proposed effective dates of exposure drafts.
Reclassification	Reclassification Certain amounts in the 2018 and 2017 financial statements have been reclassified to conform to the 2019 presentation. These reclassifications do not have a material impact on net income or shareholders’ equity.
Available for Sale [Member]
Significant Accounting Policies [Line Items]
Investment Securities	Investment Securities Available for Sale Investment securities available for sale consist of United States Treasuries, United States Government agencies, Government Sponsored Enterprise (GSE) mortgage backed securities and collateralized mortgage obligations (CMOs), corporate bonds and state and political subdivision bonds. Unrealized holding gains and losses on available for sale securities are reported as a net amount in other comprehensive income, net of income taxes. Gains and losses on the sale of available for sale securities are determined using the specific identification method and recorded on a trade basis. Declines in the fair value of individual available for sale securities below their cost that are other than temporary would result in write-downs of the individual securities, to their fair value. Such write-downs would be included in earnings as realized losses to the extent the losses are associated with the credit quality of the issuer. Amortization of premiums and accretion of discounts are recognized in interest income using the interest method over the period to maturity.
Held to Maturity [Member]
Significant Accounting Policies [Line Items]
Investment Securities	Investment Securities Held to Maturity Investment securities held to maturity consist of United States Government agencies, corporate bonds and state and political subdivision bonds. The Company has both the intent and ability to hold the securities to maturity. These securities are reported at amortized cost.

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	12 Months Ended
Significant Accounting Policies (Tables)	Dec. 31, 2019
Accounting Policies [Abstract]
Accumulated Other Comprehensive Income	The following table presents the changes in accumulated other comprehensive income for the years ended December 31, 2019, 2018 and 2017: Year ended December 31, 2019 2018 2017 (dollars in thousands) Beginning Balance $ (1,694 ) $ (1,107 ) $ (1,318 ) Accumulated Other comprehensive income (loss) before reclassifications, net of ($595), $171 and ($185) tax effect, respectively 1,989 (587 ) 356 Amounts reclassified from accumulated other comprehensive income, net of ($7), $0, and ($4) tax effect, respectively 28 — 10 Net current-period other comprehensive loss 2,017 (587 ) 366 Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect — — (155 ) Ending Balance $ 323 $ (1,694 ) $ (1,107 )
Computation of Weighted Average Shares Used in the Calculation of Basic and Dilutive Earnings Per Share	The computation of weighted average shares used in the calculation of basic and dilutive earnings per share is summarized below: 2019 2018 2017 Weighted average number of common shares used in computing basic net income per common share 7,199,262 7,229,333 7,427,036 Effect of dilutive stock options — — 768 Weighted average number of common shares and dilutive potential common shares used in computing diluted net income per common share 7,199,262 7,229,333 7,427,804

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
Investment Securities (Tables)	Dec. 31, 2019
Investments Debt And Equity Securities [Abstract]
Carrying Amounts and Fair Values of Securities Available for Sale and Held to Maturity	Carrying amounts and fair values of securities available for sale and held to maturity are summarized below: December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities available for sale U.S. Treasury $ 4,976 $ 36 $ — $ 5,012 U.S. Government agencies 25,869 18 201 25,686 GSE - Mortgage-backed securities and CMO’s 38,305 413 142 38,576 State and political subdivisions 13,937 329 45 14,221 Corporate bonds 5,018 11 — 5,029 Total securities available for sale $ 88,105 $ 807 $ 388 $ 88,524 December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities held to maturity U.S. Government agencies $ 578 $ 5 $ — $ 583 State and political subdivisions 6,826 62 — 6,888 Corporate bonds 6,024 5 1 6,028 Total securities held to maturity $ 13,428 $ 72 $ 1 $ 13,499 Note 2 - Investment Securities (Continued) December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities available for sale U.S. Treasury $ 4,944 $ 11 $ — $ 4,955 U.S. Government agencies 52,935 47 1,066 51,916 GSE - Mortgage-backed securities and CMO’s 17,217 — 515 16,702 State and political subdivisions 13,373 5 423 12,955 Corporate bonds 5,030 6 265 4,771 Total securities available for sale $ 93,499 $ 69 $ 2,269 $ 91,299 December 31, 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (dollars in thousands) Securities held to maturity U.S. Government agencies $ 855 $ — $ 12 $ 843 State and political subdivisions 6,877 6 61 6,822 Corporate bonds 3,105 — 20 3,085 Total securities held to maturity $ 10,837 $ 6 $ 93 $ 10,750
Sales of Securities Available for Sale	Results from sales of securities available for sale for the years ended December 31, 2019, 2018 and 2017 are as follows: 2019 2018 2017 (dollars in thousands) Gross proceeds from sales $ 3,351 $ — $ 8,918 Realized gains from sales $ — $ — $ — Realized losses from sales (35 ) — (14 ) Net realized gains (losses) $ (35 ) $ — $ (14 )
Gross Unrealized Losses and Fair Value of Investments	The unrealized losses on held to maturity securities related to two corporate bonds and two state and political subdivision bonds. December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Securities available for sale temporary impairment U.S. Gov’t agencies 11,956 55 9,704 146 21,660 201 GSE-Mortgage-backed securities and CMO’s 17,613 61 7,431 81 25,044 142 State and political 1,694 45 — — 1,694 45 Total securities available for sale $ 31,263 $ 161 $ 17,135 $ 227 $ 48,398 $ 388 December 31, 2019 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Held to maturity temporary impairment Corporate bonds 1,502 1 — — 1,502 1 Total securities held to maturity $ 1,502 $ 1 $ — $ — $ 1,502 $ 1 December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Securities available for sale temporary impairment U.S. Gov’t agencies 1,924 29 47,814 1,037 49,738 1,066 GSE-Mortgage-backed securities and CMO’s 526 6 15,602 509 16,128 515 State and political — — 11,109 423 11,109 423 Corporate bonds 1,989 224 1,971 41 3,960 265 Total securities available for sale $ 4,439 $ 259 $ 76,496 $ 2,010 $ 80,935 $ 2,269 Note 2 - Investment Securities (Continued) December 31, 2018 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (dollars in thousands) Held to maturity temporary impairment U.S. Gov’t agencies $ — $ — $ 843 $ 12 $ 843 $ 12 State and political 755 6 5,157 55 5,912 61 Corporate bonds 3,085 20 — — 3,085 20 Total securities held to maturity $ 3,840 $ 26 $ 6,000 $ 67 $ 9,840 $ 93
Amortized Cost and Fair Value of Available for Sale Securities Portfolio	The following tables show contractual maturities of the investment portfolio as of December 31, 2019: Amortized Cost Estimated Fair Value (dollars in thousands) Securities available for sale Due within one year $ 7,784 $ 7,827 Due after one but within five years 22,502 22,496 Due after five but within ten years 8,310 8,163 Due after ten years 11,204 11,462 Mortgage backed securities 38,305 38,576 $ 88,105 $ 88,524
Amortized Cost and Fair Value of Held to Maturity Securities Portfolio	Amortized Cost Estimated Fair Value (dollars in thousands) Securities held to maturity Due within one year $ 4,525 $ 4,530 Due after one but within five years 4,975 5,040 Due after five but within ten years 3,928 3,929 $ 13,428 $ 13,499

Loans Held for Investment (Tabl

Loans Held for Investment (Tables)	12 Months Ended
Loans Held for Investment (Tables)	Dec. 31, 2019
Receivables [Abstract]
Composition of Net Loans Held for Investment by Class	The composition of net loans held for investment by class as of December 31, 2019 and 2018 is as follows: 2019 2018 (dollars in thousands) Commercial Commercial $ 59,075 $ 57,176 Real estate - commercial 130,998 130,634 Other real estate construction loans 23,043 31,141 Noncommercial Real estate 1-4 family construction 7,600 7,805 Real estate - residential 71,370 76,564 Home equity 51,216 52,541 Consumer loans 12,957 12,159 Other loans 1,939 2,110 358,198 370,130 Less: Allowance for loan losses (1,981 ) (2,374 ) Deferred loan fees, net (248 ) (160 ) Loans held for investment, net $ 355,969 $ 367,596

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
Allowance for Loan Losses (Tables)	Dec. 31, 2019
Receivables [Abstract]
Changes in Allowance for Loan Losses	Changes in the allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 are presented below (the “other” category represents a one-time impact of re-classification for unfunded commitments’ allowance from the allowance for loan losses to an unfunded commitment liability): Commercial 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 1,334 $ 1,401 $ 1,404 Provision (recovery) charged to operations (571 ) 132 (72 ) Charge-offs (11 ) (245 ) (31 ) Recoveries 367 46 100 Net (charge-offs) recoveries 356 (199 ) 69 Other (32 ) — — Balance, end of year $ 1,087 $ 1,334 $ 1,401 Non-Commercial 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 1,040 $ 1,057 $ 1,303 Provision (recovery) charged to operations (17 ) (42 ) (164 ) Charge-offs (149 ) (81 ) (177 ) Recoveries 74 106 95 Net (charge-offs) recoveries (75 ) 25 (82 ) Other (54 ) — — Balance, end of year $ 894 $ 1,040 $ 1,057 Total 2019 2018 2017 (dollars in thousands) Balance, beginning of year $ 2,374 $ 2,458 $ 2,707 Provision (recovery) charged to operations (588 ) 90 (236 ) Charge-offs (160 ) (326 ) (208 ) Recoveries 441 152 195 Net (charge-offs) recoveries 281 (174 ) (13 ) Other (86 ) — — Balance, end of year $ 1,981 $ 2,374 $ 2,458
Schedule of Loans and Reserve Balances by Loan Segment Both Individually and Collectively Evaluated for Impairment	The following table shows period-end loans and reserve balances by loan segment both individually and collectively evaluated for impairment at December 31, 2019 and 2018: December 31, 2019 Individually Evaluated Collectively Evaluated Total Reserve Loans Reserve Loans Reserve Loans (dollars in thousands) Commercial $ 32 $ 3,660 $ 1,055 $ 209,456 $ 1,087 $ 213,116 Non-Commercial 109 3,175 785 141,659 894 144,834 Total $ 141 $ 6,835 $ 1,840 $ 351,115 $ 1,981 $ 357,950 December 31, 2018 Individually Evaluated Collectively Evaluated Total Reserve Loans Reserve Loans Reserve Loans (dollars in thousands) Commercial $ 42 $ 1,359 $ 1,292 $ 217,592 $ 1,334 $ 218,951 Non-Commercial 112 3,119 928 147,900 1,040 151,019 Total $ 154 $ 4,478 $ 2,220 $ 365,492 $ 2,374 $ 369,970
Past Due Information of Loan Portfolio by Class	Past due loan information is used by management when assessing the adequacy of the allowance for loan losses. The following tables summarize the past due information of the loan portfolio by class: December 31, 2019 Loans 30-89 Days Past Due Loans 90 Days or More Past due and Non - Accrual Total Past Due Loans Current Loans Total Loans Accruing Loans 90 or More Days Past Due (dollars in thousands) Commercial $ 190 $ — $ 190 $ 58,885 $ 59,075 $ — Real estate - commercial — 2,088 2,088 128,910 130,998 — Other real estate construction 14 0 14 23,029 23,043 — Real estate construction — — — 7,600 7,600 — Real estate - residential 326 752 1,078 70,044 71,122 — Home equity 57 82 139 51,077 51,216 — Consumer loan 27 — 27 12,930 12,957 — Other loans — — — 1,939 1,939 — Total $ 614 $ 2,922 $ 3,536 $ 354,414 $ 357,950 $ — December 31, 2018 Loans 30-89 Days Past Due Loans 90 Days or More Past due and Non - Accrual Total Past Due Loans Current Loans Total Loans Accruing Loans 90 or More Days Past Due (dollars in thousands) Commercial $ 54 $ — $ 54 $ 57,122 $ 57,176 $ — Real estate - commercial — 273 273 130,361 130,634 — Other real estate construction — 47 47 31,094 31,141 — Real estate construction — — — 7,805 7,805 — Real estate - residential 890 606 1,496 74,908 76,404 — Home equity 100 118 218 52,323 52,541 — Consumer loan 86 — 86 12,073 12,159 — Other loans — — — 2,110 2,110 — Total $ 1,130 $ 1,044 $ 2,174 $ 367,796 $ 369,970 $ —
Composition of Nonaccrual Loans by Class	The composition of nonaccrual loans by class as of December 31, 2019 and 2018 is as follows: 2019 2018 (dollars in thousands) Commercial $ — $ — Real estate - commercial 2,088 273 Other real estate construction — 47 Real estate 1 – 4 family construction — — Real estate – residential 752 606 Home equity 82 118 Consumer loans — — Other loans — — $ 2,922 $ 1,044
Summary of Risk Grades of Portfolio by Class	The tables below summarize risk grades of the loan portfolio by class as of December 31, 2019 and 2018: December 31, 2019 Pass Watch Sub- standard Doubtful Total (dollars in thousands) Commercial $ 56,151 $ 2,921 $ 3 $ — $ 59,075 Real estate - commercial 126,498 1,194 3,306 — 130,998 Other real estate construction 21,253 1,477 313 — 23,043 Real estate 1 - 4 family construction 7,600 — — — 7,600 Real estate - residential 67,647 2,464 1,011 — 71,122 Home equity 50,255 879 82 — 51,216 Consumer loans 12,877 79 1 — 12,957 Other loans 1,939 — — — 1,939 Total $ 344,220 $ 9,014 $ 4,716 $ — $ 357,950 December 31, 2018 Pass Watch Sub- standard Doubtful Total (dollars in thousands) Commercial $ 55,883 $ 1,284 $ 9 $ — $ 57,176 Real estate - commercial 127,592 1,518 1,524 — 130,634 Other real estate construction 28,711 2,070 360 — 31,141 Real estate 1 - 4 family construction 7,805 — — — 7,805 Real estate - residential 69,900 5,470 1,034 — 76,404 Home equity 52,028 395 118 — 52,541 Consumer loans 12,085 73 1 — 12,159 Other loans 2,110 — — — 2,110 Total $ 356,114 $ 10,810 $ 3,046 $ — $ 369,970
Summary of Performing and Nonperforming Loans by Class	The following tables show the breakdown between performing and nonperforming loans by class as of December 31, 2019 and 2018: December 31, 2019 Performing Non- Performing Total (dollars in thousands) Commercial $ 59,075 $ — $ 59,075 Real estate - commercial 128,910 2,088 130,998 Other real estate construction 23,043 — 23,043 Real estate 1 – 4 family construction 7,600 — 7,600 Real estate – residential 70,370 752 71,122 Home equity 51,134 82 51,216 Consumer loans 12,957 — 12,957 Other loans 1,939 — 1,939 Total $ 355,028 $ 2,922 $ 357,950 December 31, 2018 Performing Non- Performing Total (dollars in thousands) Commercial $ 57,176 $ — $ 57,176 Real estate - commercial 130,361 273 130,634 Other real estate construction 31,094 47 31,141 Real estate 1 – 4 family construction 7,805 — 7,805 Real estate – residential 75,798 606 76,404 Home equity 52,423 118 52,541 Consumer loans 12,159 — 12,159 Other loans 2,110 — 2,110 Total $ 368,926 $ 1,044 $ 369,970
Summary of Loans Deemed Impaired and Specific Reserves Allocated by Class	The tables below summarize the loans deemed impaired and the amount of specific reserves allocated by class as of December 31, 2019, 2018, and 2017: As of December 31, 2019 Year Ended December 31, 2019 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 4 $ — $ 4 $ — $ 6 $ — Real estate - commercial 3,612 1,923 1,689 29 2,273 145 Other real estate construction 44 — 44 3 64 3 Real estate 1 -4 family construction — — — — — — Real estate - residential 3,070 987 2,083 99 3,010 159 Home equity 82 13 69 10 116 5 Consumer loans 23 — 23 — 27 2 Total $ 6,835 $ 2,923 $ 3,912 $ 141 $ 5,496 $ 314 Year Ended As of December 31, 2018 December 31, 2018 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 7 $ — $ 7 $ — $ 32 $ — Real estate - commercial 1,258 93 1,165 38 1,503 51 Other real estate construction 632 47 47 4 132 3 Real estate 1 -4 family construction — — — — — — Real estate - residential 3,005 901 2,104 110 3,505 145 Home equity 83 51 32 1 54 3 Consumer loans 31 — 31 1 40 3 Total $ 5,016 $ 1,092 $ 3,386 $ 154 $ 5,266 $ 205 Year Ended As of December 31, 2017 December 31, 2017 Recorded Recorded Unpaid Investment Investment Average Principal With No With Related Recorded Interest Balance Allowance Allowance Allowance Investment Income (dollars in thousands) Commercial $ 44 $ 10 $ 34 $ 10 $ 25 $ 2 Real estate - commercial 1,593 1,305 288 9 1,650 72 Other real estate construction 689 101 50 3 208 5 Real estate 1 -4 family construction — — — — 3 — Real estate - residential 3,701 1,319 2,382 171 3,762 179 Home equity 35 22 13 1 66 1 Consumer loans 45 45 — — 53 4 Total $ 6,107 $ 2,802 $ 2,767 $ 194 $ 5,767 $ 263

Troubled Debt Restructures (Tab

Troubled Debt Restructures (Tables)	12 Months Ended
Troubled Debt Restructures (Tables)	Dec. 31, 2019
Receivables [Abstract]
Breakdown of Types of Concessions Made by Loan Class	For the twelve months ended December 31, 2019, 2018 and 2017, the following table presents a breakdown of the types of concessions made by loan class: Year Ended December 31, 2019 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial 1 $ 50 $ 4 Real estate - commercial 1 1,629 838 Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 3 261 219 Home equity — — — Consumer loans — — — Other loans — — — 5 $ 1,940 $ 1,061 Total 5 $ 1,940 $ 1,061 Year Ended December 31, 2018 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 6 434 387 Home equity — — — Consumer loans — — — Other loans — — — 6 $ 434 $ 387 Total 6 $ 434 $ 387 Year Ended December 31, 2017 Pre-Modification Post-Modification Number Outstanding Recorded Outstanding Recorded of Contracts Investment Investment (dollars in thousands) Extend payment terms: Commercial — $ — $ — Real estate - commercial — — — Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential — — — Home equity — — — Consumer loans — — — Other loans — — — — $ — $ — Other: Commercial 1 $ 12 $ 10 Real estate - commercial 2 178 173 Other real estate construction — — — Real estate 1 – 4 family construction — — — Real estate – residential 6 708 675 Home equity — — — Consumer loans 1 9 5 Other loans — — — 10 $ 907 $ 863 Total 10 $ 907 $ 863
Schedule of Status of Types of Debt Restructuring	The following table presents the successes and failures of the types of modifications within the previous twelve months as of December 31, 2019, 2018 and 2017: Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2019 Extended payment terms — $ — — $ — — $ — — $ — Other 1 37 5 1,940 — — — — Total 1 $ 37 5 $ 1,940 — $ — — $ — Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2018 Extended payment terms — $ — — $ — — $ — — $ — Other 8 1,056 6 434 — — 1 242 Total 8 $ 1,056 6 $ 434 — $ — 1 $ 242 Paid In Full Paying as restructured Converted to nonaccrual Foreclosure/ Default Number of Recorded Number of Recorded Number of Recorded Number of Recorded Loans Investments Loans Investments Loans Investments Loans Investments (dollars in thousands) December 31, 2017 Extended payment terms — $ — — $ — — $ — — $ — Other 6 217 10 863 — — 1 15 Total 6 $ 217 10 $ 863 — $ — 1 $ 15

Loan Servicing Assets (Tables)

Loan Servicing Assets (Tables)	12 Months Ended
Loan Servicing Assets (Tables)	Dec. 31, 2019
Mortgage Banking [Abstract]
Summary of Mortgage Servicing Rights	A summary of loan servicing rights follows: 2019 2018 2017 (dollars in thousands) Beginning of year servicing rights: $ 1,850 $ 2,125 $ 2,271 Amounts capitalized 694 388 587 Amortization (821 ) (663 ) (733 ) Impairment — — — End of year $ 1,723 $ 1,850 $ 2,125
Estimated Amortization Expense	Amortization expense is estimated as follows: Year ending December 31, (dollars in thousands) 2020 $ 406 2021 352 2022 298 2023 243 2024 188 Thereafter 236 Total $ 1,723
Key Assumptions Used to Value Mortgage Servicing Rights	The key assumptions used to value mortgage servicing rights were as follows: 2019 2018 Weighted average remaining life 261 months 259 months Weighted average discount rate 12 % 12 % Weighted average coupon 4.04 % 4.02 % Weighted average prepayment speed 182 % 132 %

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
Premises and Equipment (Tables)	Dec. 31, 2019
Property Plant And Equipment [Abstract]
Major Classes of Premises and Equipment and the Total Accumulated Depreciation	The major classes of premises and equipment and the total accumulated depreciation at December 31, 2019 and 2018 are listed below: 2019 2018 (dollars in thousands) Land $ 3,192 $ 3,215 Building and improvements 15,783 15,150 ROU assets 1,945 — Furniture and equipment 8,518 8,808 Total fixed assets 29,438 27,173 Less accumulated depreciation 12,376 12,373 Net fixed assets $ 17,062 $ 14,800

Leases (Tables)

Leases (Tables)	12 Months Ended
Leases (Tables)	Dec. 31, 2019
Lessee Disclosure [Abstract]
Summary of Other Information Related to Operating Leases	The table below depicts information related to the Company’s leases: Twelve Months Ended December 31, 2019 (in thousands except percent and period data) Cash paid for amounts included in the measurement of lease liabilities Operating cash flows from operating leases $ 357 ROU assets obtained in exchange for new operating lease liabilities 1,945 Weighted-average remaining lease term - operating leases, in years 7.6 Weighted-average discount rate - operating leases 2.9%
Schedule of Maturities of Lease Expense	A table detailing the lease expense associated with the aforementioned properties is below. December 31, (dollars in thousands) 2020 $ 381 2021 347 2022 225 2023 229 2024 233 Thereafter 846 Total lease payments 2,261 Less: Interest (249 ) Present value of lease liabilities $ 2,012
Schedule of Operating Lease Expense	A table detailing the lease expense associated with the aforementioned properties is below. December 31, (dollars in thousands) 2019 $ 345 2020 345 2021 306 2022 189 2023 189 Thereafter 812 Total 2,186

Deposits (Tables)

Deposits (Tables)	12 Months Ended
Deposits (Tables)	Dec. 31, 2019
Banking And Thrift [Abstract]
Schedule of Composition of Time Deposits	The composition of deposits at December 31, 2019 and 2018 is as follows: 2019 2018 Amount Percentage of Total Amount Percentage of Total (dollars in thousands) Demand noninterest-bearing $ 150,283 26 % $ 129,714 23 % Interest checking and money market 263,136 45 % 324,391 57 % Savings 57,136 10 % 54,784 10 % Time deposits $250,000 and over 55,682 9 % 7,920 1 % Other time deposits 59,641 10 % 50,092 9 % Total $ 585,878 100 % $ 566,901 100 %
Maturities of Fixed-Rate Time Deposits	The maturities of fixed-rate time deposits at December 31, 2019 are reflected in the table below: Time Deposits Other Year ending December 31, $250,000 and Over Time Deposits (dollars in thousands) 2020 53,866 39,650 2021 1,507 15,522 2022 309 2,977 2023 — 610 2024 — 882 Thereafter — — Total $ 55,682 $ 59,641

Short-Term Borrowed Funds (Tabl

Short-Term Borrowed Funds (Tables)	12 Months Ended
Short-Term Borrowed Funds (Tables)	Dec. 31, 2019
Debt Disclosure [Abstract]
Summary of Short-Term Borrowed Funds	The following tables set forth certain information regarding the amounts, year-end weighted average rates, average balances, weighted average rate, and maximum month-end balances for short-term borrowed funds, at and during 2019 and 2018: 2019 2018 Amount Rate Amount Rate (dollars in thousands) At year-end Master notes and other short-term borrowing $ 626 0.89 % $ 1,190 1.49 % Notes payable — — — — Short-term line of credit — — — — $ 626 0.89 % $ 1,190 1.49 % 2019 2018 Amount Rate Amount Rate (dollars in thousands) Average for the year Federal funds purchased $ 2 3.04 % $ 2 2.92 % Master notes and other short-term borrowing 904 1.61 % 1,638 1.00 % Notes payable — — — — Short-term line of credit — — — — $ 906 1.62 % $ 1,640 1.00 % 2019 2018 (dollars in thousands) Maximum month-end balance Federal funds purchased — — Master notes and other short-term borrowing 1,486 2,006

Long-Term Debt (Tables)

Long-Term Debt (Tables)	12 Months Ended
Long-Term Debt (Tables)	Dec. 31, 2019
Debt Disclosure [Abstract]
Scheduled Maturities of Advances and Notes Payable	As of December 31, 2019, the scheduled maturities of these long-term borrowings are as follows: Year ending December 31, (dollars in thousands) 2020 $ — 2021 — 2022 — 2023 — 2024 — Thereafter 9,992 Total $ 9,992

Income Tax Matters (Tables)

Income Tax Matters (Tables)	12 Months Ended
Income Tax Matters (Tables)	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Significant Components of Income Tax Expense (Benefit)	The significant components of income tax expense for the years ended December 31, 2019, 2018 and 2017 are summarized as follows: 2019 2018 2017 (dollars in thousands) Current tax expense: Federal $ 662 $ 524 $ 1,022 State 94 94 96 Total 756 618 1,118 Deferred tax expense: Federal 26 (47 ) 680 State (11 ) 8 11 Total 15 (39 ) 691 Net provision for income taxes $ 771 $ 579 $ 1,809
Provision for Income Taxes and the Amounts Computed by Applying the Statutory Federal Income Tax Rate of 34% to Income Before Income Taxes	The difference between the provision for income taxes and the amounts computed by applying the statutory federal income tax rate of 21% to income before income taxes is summarized below: 2019 2018 2017 (dollars in thousands) Tax computed at the statutory federal rate $ 810 $ 642 $ 1,163 Increases (decrease) resulting from: Tax exempt interest, net (133 ) (143 ) (238 ) State income taxes, net of federal benefit 65 80 71 Revalue of deferred tax assets — — 812 Other 29 — 1 Provision for income taxes $ 771 $ 579 $ 1,809
Significant Components of Deferred Taxes	Significant components of deferred taxes at December 31, 2019, 2018 and 2017 are as follows: 2019 2018 2017 (dollars in thousands) Deferred tax assets relating to: Allowance for loan losses $ 478 $ 545 $ 569 Deferred compensation 1,078 1,012 936 Other 89 104 173 Lease liability 462 — — Net unrealized loss on securities available for sale — 505 335 Total deferred tax assets 2,107 2,166 2,013 Deferred tax liabilities relating to: Net unrealized gain on securities available for sale (96 ) — — Premises and equipment (184 ) (159 ) (213 ) Deferred loans fees and costs (159 ) (163 ) (148 ) Loan servicing (92 ) (99 ) (116 ) ROU asset (447 ) — — Total deferred tax liabilities (978 ) (421 ) (477 ) Net recorded deferred tax asset $ 1,129 $ 1,745 $ 1,536

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
Commitments and Contingencies (Tables)	Dec. 31, 2019
Commitments And Contingencies Disclosure [Abstract]
Outstanding Financial Instruments Whose Contract Amounts Represent Credit Risk	As of December 31, 2019 and 2018, outstanding financial instruments whose contract amounts represent credit risk were as follows: 2019 2018 (dollars in thousands) Commitments to extend credit $ 134,241 $ 110,329 Credit card commitments 11,650 10,611 Standby letters of credit 1,213 933 $ 147,104 $ 121,873

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
Related Party Transactions (Tables)	Dec. 31, 2019
Related Party Transactions [Abstract]
Summary of Loans to Directors, Executive Officers and Their Related Interests	A summary of loans to directors, executive officers and their related interests follows: 2019 2018 (dollars in thousands) Balance, at beginning of the year $ 9,284 $ 8,692 Disbursements during the year 4,833 1,902 Collections during the year (3,822 ) (1,310 ) Balance, at end of the year $ 10,295 $ 9,284

Shareholders' Equity and Regu_2

Shareholders' Equity and Regulatory Matters (Tables)	12 Months Ended
Shareholders' Equity and Regulatory Matters (Tables)	Dec. 31, 2019
Equity [Abstract]
Company's Consolidated Capital Ratios	The Company expects to meet or exceed these minimums without altering current operations or strategy. Minimum to Be Well Minimum Capitalized Under For Capital Prompt Corrective Actual Requirement Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2019 Total Capital to Risk Weighted Assets: Consolidated $ 60,509 14.1 % $ 34,387 8.0 % $ 42,984 10.0 % Uwharrie Bank 58,082 13.6 % 34,098 8.0 % 42,622 10.0 % Tier 1 Capital to Risk Weighted Assets: Consolidated 48,536 11.3 % 25,790 6.0 % 34,387 8.0 % Uwharrie Bank 56,101 13.2 % 25,573 6.0 % 34,098 8.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 37,881 8.8 % 19,343 4.5 % 27,940 6.5 % Uwharrie Bank 45,446 10.7 % 19,180 4.5 % 27,704 6.5 % Tier 1 Capital to Average Assets: Consolidated 48,536 7.4 % 26,336 4.0 % 32,920 5.0 % Uwharrie Bank 56,101 8.5 % 26,249 4.0 % 32,812 5.0 % Minimum to Be Well Minimum Capitalized Under For Capital Prompt Corrective Actual Requirement Action Provisions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) December 31, 2018 Total Capital to Risk Weighted Assets: Consolidated $ 58,777 14.0 % $ 33,660 8.0 % $ 42,076 10.0 % Uwharrie Bank 57,765 13.8 % 33,460 8.0 % 41,826 10.0 % Tier 1 Capital to Risk Weighted Assets: Consolidated 46,869 11.1 % 25,245 6.0 % 33,660 8.0 % Uwharrie Bank 55,391 13.2 % 25,095 6.0 % 33,460 8.0 % Common Equity Tier 1 Capital to Risk Weighted Assets: Consolidated 36,214 8.6 % 18,934 4.5 % 27,349 6.5 % Uwharrie Bank 44,736 10.7 % 18,821 4.5 % 27,187 6.5 % Tier 1 Capital to Average Assets: Consolidated 46,869 7.4 % 25,347 4.0 % 31,683 5.0 % Uwharrie Bank 55,391 8.8 % 25,254 4.0 % 31,567 5.0 %

Fair Values of Financial Inst_2

Fair Values of Financial Instruments and Interest Rate Risk (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Comparison of Carrying Amounts and Estimated Fair Value of Financial Instruments	The following table reflects a comparison of carrying amounts and the estimated fair value of the financial instruments as of December 31, 2019 and December 31, 2018: Carrying Estimated December 31, 2019 Value Fair Value Level 1 Level 2 Level 3 (dollars in thousands) FINANCIAL ASSETS Cash and cash equivalents $ 155,198 $ 117,938 $ 115,693 $ 2,245 $ — Securities available for sale 88,524 88,524 5,012 83,512 — Securities held to maturity 13,428 13,499 — 10,499 3,000 Loans held for investment, net 355,969 354,269 — — 354,269 Loans held for sale 2,946 2,946 — 2,946 — Restricted stock 1,144 1,144 1,144 — — Loan servicing rights 1,723 3,228 — 3,228 — Accrued interest receivable 1,666 1,666 — — 1,666 FINANCIAL LIABILITIES Deposits $ 585,878 567,130 $ — $ 567,130 $ — Short-term borrowings 626 626 — 626 — Long-term debt 9,992 10,180 — — 10,180 Accrued interest payable 55 55 — — 55 Carrying Estimated December 31, 2018 Value Fair Value Level 1 Level 2 Level 3 (dollars in thousands) FINANCIAL ASSETS Cash and cash equivalents $ 117,934 $ 117,901 $ 115,693 $ 2,208 $ — Securities available for sale 91,299 91,299 4,955 86,344 — Securities held to maturity 10,837 10,750 — 10,750 — Loans held for investment, net 367,596 364,636 — — 364,636 Loans held for sale 4,800 4,800 — 4,800 — Restricted stock 1,094 1,094 1,094 — — Mortgage servicing rights 1,850 3,455 — 3,455 — Accrued interest receivable 1,763 1,763 — — 1,763 FINANCIAL LIABILITIES Deposits $ 566,901 $ 521,508 $ — $ 521,508 $ — Short-term borrowings 1,190 1,190 — 1,190 — Long-term debt 9,974 10,086 — — 10,086 Accrued interest payable 16 16 — — 16
Fair Value Information for Assets and Liabilities Measured at Fair Value on a Recurring Basis	The following table provides fair value information for assets and liabilities measured at fair value on a recurring basis as of December 31, 2019 and 2018: December 31, 2019 (dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale: US Treasury $ 5,012 $ 5,012 $ — $ — US Government 25,686 — 25,686 — Mortgage-backed securities and CMO’s 38,576 — 38,576 — State and political subdivisions 14,221 — 14,221 — Corporate bonds 5,029 — 5,029 — Total assets at fair value $ 88,524 $ 5,012 $ 83,512 $ — Total liabilities at fair value $ — $ — $ — $ — December 31, 2018 (dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale: US Treasury $ 4,955 $ 4,955 $ — $ — US Government 51,916 — 51,916 — Mortgage-backed securities and CMO’s 16,702 — 16,702 — State and political subdivisions 12,955 — 12,955 — Corporate bonds 4,771 — 4,771 — Total assets at fair value $ 91,299 $ 4,955 $ 86,344 $ — Total liabilities at fair value $ — $ — $ — $ —
Assets Re-Measured at Fair Value	Assets re-measured at fair value during the period are included in the table below as of December 31, 2019 and December 31, 2018: December 31, 2019 (dollars in thousands) Total Level 1 Level 2 Level 3 Impaired loans $ 3,771 $ — $ — $ 3,771 Other real estate owned 364 — — 364 Total assets at fair value $ 4,135 $ — $ — $ 4,135 Total liabilities at fair value $ — $ — $ — $ — December 31, 2018 (dollars in thousands) Total Level 1 Level 2 Level 3 Impaired loans $ 3,279 $ — $ — $ 3,279 Other real estate owned 951 — — 951 Total assets at fair value $ 4,230 $ — $ — $ 4,230 Total liabilities at fair value $ — $ — $ — $ —
Quantitative Information about Level 3 Fair Value Measurements	Quantitative Information about Level 3 Fair Value Measurements General December 31, 2019 Valuation Technique Unobservable Input Range Nonrecurring measurements: Impaired loans Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 25% Discounted cash flows Discount rates 4%-8.75% OREO Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 10% General December 31, 2018 Valuation Technique Unobservable Input Range Nonrecurring measurements: Impaired loans Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 25% Discounted cash flows Discount rates 4%-8.75% OREO Discounted appraisals Collateral discounts and Estimated costs to sell 0 – 10%

Parent Company Financial Data (

Parent Company Financial Data (Tables)	12 Months Ended
Parent Company Financial Data (Tables)	Dec. 31, 2019
Condensed Financial Information Of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheets	Condensed Balance Sheets December 31, 2019 2018 (dollars in thousands) Assets Cash and demand deposits $ 526 $ 287 Interest-earning deposits 1,589 1,256 Investments in: Bank subsidiaries 45,770 43,042 Nonbank subsidiaries 381 450 Other assets 2,073 1,638 Total assets $ 50,339 $ 46,673 Liabilities and shareholders’ equity Master notes $ 626 $ 1,190 Short term debt — — Long term debt 9,992 9,974 Other liabilities 1,518 989 Total liabilities 12,136 12,153 Shareholders’ equity 38,203 34,520 Total liabilities and shareholders’ equity $ 50,339 $ 46,673
Condensed Statements of Income	Condensed Statements of Income 2019 2018 2017 (dollars in thousands) Equity in undistributed earnings (loss) of subsidiaries $ 1,206 $ 2,026 $ 745 Dividends received from subsidiaries 2,750 1,150 1,500 Interest income 15 17 6 Other income 41 80 93 Interest expense (577 ) (571 ) (564 ) Other operating expense (578 ) (410 ) (436 ) Income tax benefit 230 185 267 Net income $ 3,087 $ 2,477 $ 1,611 Consolidated net income $ 3,087 $ 2,477 $ 1,611 Less: Net income attributable to noncontrolling interest (564 ) (570 ) (592 ) Net income attributable to Uwharrie Capital Corp 2,523 1,907 1,019 Net income available to common shareholders $ 2,523 $ 1,907 $ 1,019 Net income per common share Basic $ 0.36 $ 0.26 $ 0.14 Diluted $ 0.36 $ 0.26 $ 0.14 Weighted average shares outstanding Basic 7,066,880 7,229,333 7,427,036 Diluted 7,066,880 7,229,333 7,427,804
Condensed Statements of Cash Flows	Condensed Statements of Cash Flows 2019 2018 2017 (dollars in thousands) Cash flows from operating activities Net income $ 3,087 $ 2,477 $ 1,611 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed (earnings) loss of subsidiaries (1,206 ) (2,026 ) (745 ) Increase in other assets (435 ) (198 ) (124 ) Increase in other liabilities 528 220 267 Net cash provided by operating activities 1,974 473 1,009 Cash flows from financing activities Decrease in master notes (564 ) (562 ) (410 ) Decrease in short-term debt — — (500 ) Increase (decrease) in long-term debt (440 ) 440 — Net increase in subordinated debentures 458 — — Net increase in investment in subsidiaries — (250 ) — Net proceeds from issuance of common stock - stock options — 65 — Repurchase of common stock, net (850 ) (747 ) (391 ) Cash paid for fractional shares (7 ) (7 ) (7 ) Other, net 1 — — Net cash used by financing activities (1,402 ) (1,061 ) (1,308 ) Net decrease in cash and cash equivalents 572 (588 ) (299 ) Cash and cash equivalents at beginning of year 1,543 2,131 2,430 Cash and cash equivalents at end of year $ 2,115 $ 1,543 $ 2,131

Selected Financial Data (Table)

Selected Financial Data (Table)	12 Months Ended
Selected Financial Data (Table)	Dec. 31, 2019
Quarterly Financial Information Disclosure [Abstract]
Summary of Quarterly Financial Information	2019 2018 2017 2016 2015 Summary of Operations Interest income $ 23,767 $ 21,873 $ 19,340 $ 18,046 $ 17,847 Interest expense 3,565 1,882 1,277 1,310 1,733 Net interest income 20,202 19,991 18,063 16,736 16,114 Provision for (recovery of) loan losses (588 ) 90 (236 ) (88 ) (620 ) Noninterest income 9,005 8,279 8,425 9,357 7,712 Noninterest expense 25,937 25,124 23,304 23,075 21,633 Income taxes 771 579 1,809 895 806 Net income $ 3,087 $ 2,477 $ 1,611 $ 2,211 $ 2,007 Less: Net income attributable to noncontrolling interest (564 ) (570 ) (592 ) (593 ) (592 ) Less: Dividends on preferred stock $ — $ — $ — $ — $ — Net Income (loss) available to common shareholders $ 2,523 $ 1,907 $ 1,019 $ 1,618 $ 1,415 Per Common Share Net income – basic (1) $ 0.35 $ 0.26 $ 0.14 $ 0.21 $ 0.19 Net income (loss) – diluted (1) 0.35 0.26 0.14 0.21 0.19 Book value (1) 5.38 4.75 4.58 4.40 4.33 Weighted Average Shares Outstanding: Basic (1) 7,199,262 7,229,333 7,427,036 7,531,360 7,634,024 Diluted (1) 7,199,262 7,229,333 7,427,804 7,531,470 7,634,024 Ratios Return on average assets 0.48 % 0.40 % 0.28 % 0.41 % 0.38 % Return on average equity 6.43 % 5.57 % 3.62 % 4.99 % 4.65 % Average equity to average assets 7.43 % 7.26 % 7.78 % 8.29 % 8.27 % Selected Year-end Balances Assets $ 656,793 $ 632,304 $ 577,253 $ 548,230 $ 532,202 Loans held for investment 357,950 369,970 356,871 341,829 320,132 Securities 101,952 102,136 107,201 117,889 100,500 Deposits 585,878 566,901 512,628 485,719 467,733 Borrowed funds 10,618 11,164 11,286 12,208 15,305 Shareholders’ equity 48,858 45,175 44,540 43,525 43,314 Selected Average Balances Assets $ 645,681 $ 612,403 $ 572,630 $ 534,296 $ 521,699 Loans held for investment 369,540 369,419 348,980 334,317 316,485 Securities 100,775 103,223 113,025 107,396 112,348 Deposits 575,480 548,296 509,352 470,921 458,655 Borrowed funds 10,956 11,284 11,679 12,898 14,432 Shareholders’ equity 47,993 44,468 44,542 44,283 43,123 (1) Net income per share, book value per share, weighted average shares outstanding and shares outstanding at year-end for years 2018 through 2015 have been adjusted to reflect the 2% stock dividends in 2019, 2018, 2017 and 2016.

Significant Accounting Polici_4

Significant Accounting Policies - Additional Information (Detail)	Nov. 12, 2018	Jan. 31, 2013USD ($)	Dec. 31, 2019USD ($)BranchSegmentPropertyshares	Dec. 31, 2018USD ($)shares	Dec. 31, 2017USD ($)	Dec. 31, 2013USD ($)
Business Acquisition [Line Items]
Common stock exchange			1
Number of branch locations \| Branch			10
Number of branch offices \| Branch			2
Number of segments \| Segment			2
Mortgage and commercial loans period			90 days
Credit card and personal loans period			180 days
Credit card loan accrual period			90 days
Minimum required sustained performance			6 months
Outstanding awards			$ 0	$ 0
Interest or penalties accrued			$ 0	$ 0	$ 0
Stock options outstanding \| shares			0	0
Stock dividend, percentage	2.00%		2.00%	2.00%	2.00%
Dividends Payable, date declared	Nov. 12, 2019
Dividends Payable, date to be paid	Dec. 9, 2019
Dividends Payable, date of record	Nov. 25, 2019
Number of property \| Property			3
Lease term			greater than one year
Interchange and Card Transaction Fees [Member]
Business Acquisition [Line Items]
Noninterest income fees			$ 826,000	$ 648,000	$ 656,000
ASU 2014-09 [Member]
Business Acquisition [Line Items]
Gross interchange and card transaction fees			2,000,000	1,700,000	1,600,000
Interchange and card transaction related network costs			$ 1,200,000	$ 1,100,000	$ 913,000
Preferred Stock Series B [Member]
Business Acquisition [Line Items]
Preferred stock issued		$ 7,900,000
Dividends rate		5.30%
Voting rights			The preferred stock has no voting rights
Preferred Stock Series C [Member]
Business Acquisition [Line Items]
Preferred stock issued						$ 2,800,000
Dividends rate						5.30%
Voting rights			The preferred stock has no voting rights
Minimum [Member] \| ASU 2016-02 [Member]
Business Acquisition [Line Items]
Expected increase in assets and liabilities due to adoption of new accounting standard			$ 1,900,000
Maximum [Member] \| ASU 2016-02 [Member]
Business Acquisition [Line Items]
Expected increase in assets and liabilities due to adoption of new accounting standard			$ 2,000,000
Furniture, Fixtures and Equipment [Member] \| Minimum [Member]
Business Acquisition [Line Items]
Useful lives			5 years
Furniture, Fixtures and Equipment [Member] \| Maximum [Member]
Business Acquisition [Line Items]
Useful lives			7 years
Equipment [Member] \| Minimum [Member]
Business Acquisition [Line Items]
Useful lives			5 years
Equipment [Member] \| Maximum [Member]
Business Acquisition [Line Items]
Useful lives			7 years
Building [Member] \| Minimum [Member]
Business Acquisition [Line Items]
Useful lives			10 years
Building [Member] \| Maximum [Member]
Business Acquisition [Line Items]
Useful lives			39 years
Leasehold Improvements [Member] \| Minimum [Member]
Business Acquisition [Line Items]
Useful lives			10 years
Leasehold Improvements [Member] \| Maximum [Member]
Business Acquisition [Line Items]
Useful lives			39 years
Anson BanCorp Inc [Member]
Business Acquisition [Line Items]
Acquisition			Jan. 19, 2000
Gateway Mortgage Inc [Member]
Business Acquisition [Line Items]
Acquisition			Aug. 4, 2000
Cabarrus Bank and Trust Company [Member]
Business Acquisition [Line Items]
Date of capitalization of new wholly-owned subsidiary			Apr. 10, 2003
Uwharrie Mortgage Inc [Member]
Business Acquisition [Line Items]
Date of subsidiary incorporation			Apr. 7, 2004

Significant Accounting Polici_5

Significant Accounting Policies - Accumulated Other Comprehensive Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	$ 45,175	$ 44,540	$ 43,525
Total other comprehensive income (loss)	2,017	(587)	366
Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect			155
Ending balance	48,858	45,175	44,540
Unrealized Holding Gains on Available-for-Sale Securities (Net) [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Beginning balance	(1,694)	(1,107)	(1,318)
Accumulated Other comprehensive income (loss) before reclassifications, net of ($595), $171 and ($185) tax effect, respectively	1,989	(587)	356
Amounts reclassified from accumulated other comprehensive income, net of ($7), $0, and ($4) tax effect, respectively	28		10
Total other comprehensive income (loss)	2,017	(587)	366
Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect			(155)
Ending balance	$ 323	$ (1,694)	$ (1,107)

Significant Accounting Polici_6

Significant Accounting Policies - Accumulated Other Comprehensive Income (Parenthetical) (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income Loss [Line Items]
Tax effect on amount reclassified from accumulated other comprehensive income	$ 7	$ 0	$ 4
Unrealized Holding Gains on Available-for-Sale Securities (Net) [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Tax effect on Accumulated Other Comprehensive income (loss) before reclassifications	(595)	171	(185)
Tax effect on amount reclassified from accumulated other comprehensive income	$ (7)	$ 0	$ (4)

Significant Accounting Polici_7

Significant Accounting Policies - Computation of Weighted Average Shares Used in the Calculation of Basic and Dilutive Earnings Per Share (Detail) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Earnings Per Share [Abstract]
Weighted average number of common shares used in computing basic net income per common share	7,199,262	7,229,333	7,427,036
Effect of dilutive stock options			768
Weighted average number of common shares and dilutive potential common shares used in computing diluted net income per common share	7,199,262	7,229,333	7,427,804	7,531,470	7,634,024

Investment Securities - Carryin

Investment Securities - Carrying Amounts and Fair Values of Securities Available for Sale and Held to Maturity (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	$ 88,105	$ 93,499
Available-for-sale Securities, Gross Unrealized Gains	807	69
Available-for-sale Securities, Gross Unrealized Losses	388	2,269
Available-for-sale Securities, Fair Value	88,524	91,299
Held-to-maturity Securities, Amortized Cost	13,428	10,837
Held-to-maturity Securities, Gross Unrealized Gains	72	6
Held-to-maturity Securities, Gross Unrealized Losses	1	93
Held-to-maturity Securities, Fair Value	13,499	10,750
U.S. Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	4,976	4,944
Available-for-sale Securities, Gross Unrealized Gains	36	11
Available-for-sale Securities, Fair Value	5,012	4,955
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	25,869	52,935
Available-for-sale Securities, Gross Unrealized Gains	18	47
Available-for-sale Securities, Gross Unrealized Losses	201	1,066
Available-for-sale Securities, Fair Value	25,686	51,916
Held-to-maturity Securities, Amortized Cost	578	855
Held-to-maturity Securities, Gross Unrealized Gains	5
Held-to-maturity Securities, Gross Unrealized Losses		12
Held-to-maturity Securities, Fair Value	583	843
GSE - Mortgage-backed Securities and CMO's [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	38,305	17,217
Available-for-sale Securities, Gross Unrealized Gains	413
Available-for-sale Securities, Gross Unrealized Losses	142	515
Available-for-sale Securities, Fair Value	38,576	16,702
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	13,937	13,373
Available-for-sale Securities, Gross Unrealized Gains	329	5
Available-for-sale Securities, Gross Unrealized Losses	45	423
Available-for-sale Securities, Fair Value	14,221	12,955
Held-to-maturity Securities, Amortized Cost	6,826	6,877
Held-to-maturity Securities, Gross Unrealized Gains	62	6
Held-to-maturity Securities, Gross Unrealized Losses		61
Held-to-maturity Securities, Fair Value	6,888	6,822
Corporate Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Amortized Cost	5,018	5,030
Available-for-sale Securities, Gross Unrealized Gains	11	6
Available-for-sale Securities, Gross Unrealized Losses		265
Available-for-sale Securities, Fair Value	5,029	4,771
Held-to-maturity Securities, Amortized Cost	6,024	3,105
Held-to-maturity Securities, Gross Unrealized Gains	5
Held-to-maturity Securities, Gross Unrealized Losses	1	20
Held-to-maturity Securities, Fair Value	$ 6,028	$ 3,085

Investment Securities - Additio

Investment Securities - Additional Information (Detail)	Dec. 31, 2019USD ($)Security	Dec. 31, 2018USD ($)Security
Schedule of Available-for-sale Securities [Line Items]
Federal Reserve stock owned by Company \| $	$ 509,000	$ 509,000
Federal Home Loan Bank stock (FHLB) \| $	635,000	585,000
Securities available for sale pledged as collateral on public deposits \| $	$ 65,300,000	$ 71,500,000
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities related to unrealized losses less than twelve months	3	4
Number of available for sale securities related to unrealized losses more than twelve months	4	16
Number of securities related to unrealized losses		2
GSE - Mortgage-backed Securities and CMO's [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities related to unrealized losses less than twelve months	6	1
Number of available for sale securities related to unrealized losses more than twelve months	9	16
U S States And Political
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities related to unrealized losses more than twelve months		8
Number of securities related to unrealized losses		2
Corporate Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Number of available for sale securities related to unrealized losses less than twelve months	1	1
Number of available for sale securities related to unrealized losses more than twelve months		1
Number of securities related to unrealized losses	1

Investment Securities - Sales o

Investment Securities - Sales of Securities Available for Sale (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2017
Investments Debt And Equity Securities [Abstract]
Gross proceeds from sales	$ 3,351	$ 8,918
Realized losses from sales	(35)	(14)
Net realized gains (losses)	$ (35)	$ (14)

Investment Securities - Gross U

Investment Securities - Gross Unrealized Losses and Fair Value of Investments (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	$ 31,263	$ 4,439
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	161	259
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Fair Value	17,135	76,496
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses	227	2,010
Available-for-sale Securities, Gross unrealized losses, Fair Value	48,398	80,935
Available-for-sale Securities, Gross unrealized losses, Unrealized Losses	388	2,269
Held-to-maturity Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	1,502	3,840
Held-to-maturity-Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	1	26
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Fair Value	0	6,000
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses	0	67
Held-to-maturity Securities, Gross unrealized losses, Fair Value	1,502	9,840
Held-to-maturity Securities, Gross unrealized losses, Unrealized Losses	1	93
Corporate Bonds [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Fair Value		1,989
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses		224
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Fair Value		1,971
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses		41
Available-for-sale Securities, Gross unrealized losses, Fair Value		3,960
Available-for-sale Securities, Gross unrealized losses, Unrealized Losses		265
Held-to-maturity Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	1,502	3,085
Held-to-maturity-Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	1	20
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Fair Value	0	0
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses	0	0
Held-to-maturity Securities, Gross unrealized losses, Fair Value	1,502	3,085
Held-to-maturity Securities, Gross unrealized losses, Unrealized Losses	1	20
U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	11,956	1,924
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	55	29
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Fair Value	9,704	47,814
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses	146	1,037
Available-for-sale Securities, Gross unrealized losses, Fair Value	21,660	49,738
Available-for-sale Securities, Gross unrealized losses, Unrealized Losses	201	1,066
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Fair Value		843
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses		12
Held-to-maturity Securities, Gross unrealized losses, Fair Value		843
Held-to-maturity Securities, Gross unrealized losses, Unrealized Losses		12
GSE - Mortgage-backed Securities and CMO's [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	17,613	526
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	61	6
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Fair Value	7,431	15,602
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses	81	509
Available-for-sale Securities, Gross unrealized losses, Fair Value	25,044	16,128
Available-for-sale Securities, Gross unrealized losses, Unrealized Losses	142	515
State and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Fair Value	1,694
Available-for-sale Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses	45
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Fair Value		11,109
Available-for-sale Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses		423
Available-for-sale Securities, Gross unrealized losses, Fair Value	1,694	11,109
Available-for-sale Securities, Gross unrealized losses, Unrealized Losses	$ 45	423
Held-to-maturity Securities, Gross unrealized losses, Less than Twelve Months, Fair Value		755
Held-to-maturity-Securities, Gross unrealized losses, Less than Twelve Months, Unrealized Losses		6
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Fair Value		5,157
Held-to-maturity Securities, Gross unrealized losses, Twelve Months or More, Unrealized Losses		55
Held-to-maturity Securities, Gross unrealized losses, Fair Value		5,912
Held-to-maturity Securities, Gross unrealized losses, Unrealized Losses		$ 61

Investment Securities - Amortiz

Investment Securities - Amortized Cost and Fair Value of Available for Sale Securities Portfolio (Detail) $ in Thousands	Dec. 31, 2019USD ($)
Investments Debt And Equity Securities [Abstract]
Due within one year, Amortized Cost	$ 7,784
Due after one but within five years, Amortized Cost	22,502
Due after five but within ten years, Amortized Cost	8,310
Due after ten years, Amortized Cost	11,204
Mortgage backed securities, Amortized Cost	38,305
Available-for-sale Securities, Amortized Cost	88,105
Due within one year, Estimated Fair Value	7,827
Due after one but within five years, Estimated Fair Value	22,496
Due after five but within ten years, Estimated Fair Value	8,163
Due after ten years, Estimated Fair Value	11,462
Mortgage backed securities, Estimated Fair Value	38,576
Fair Value	$ 88,524

Investment Securities - Amort_2

Investment Securities - Amortized Cost and Fair Value of Held to Maturity Securities Portfolio (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Investments Debt And Equity Securities [Abstract]
Due within one year, Amortized Cost	$ 4,525
Due after one but within five years, Amortized Cost	4,975
Due after five but within ten years, Amortized Cost	3,928
Total Securities held for maturity, Amortized Cost	13,428
Due within one year, Estimated Fair Value	4,530
Due after one but within five years, Estimated Fair Value	5,040
Due after five but within ten years, Estimated Fair Value	3,929
Total Securities held for maturity, Estimated Fair Value	$ 13,499	$ 10,750

Loans Held for Investment - Com

Loans Held for Investment - Composition of Net Loans Held for Investment by Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	$ 358,198	$ 370,130
Less:
Allowance for loan losses	(1,981)	(2,374)	$ (2,458)	$ (2,707)
Deferred loan fees, net	(248)	(160)
Net loans held for investment	355,969	367,596
Commercial [Member]
Less:
Allowance for loan losses	(1,087)	(1,334)	(1,401)	(1,404)
Commercial [Member] \| Commercial Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	59,075	57,176
Commercial [Member] \| Real Estate - Commercial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	130,998	130,634
Commercial [Member] \| Other Real Estate Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	23,043	31,141
Non-Commercial [Member]
Less:
Allowance for loan losses	(894)	(1,040)	$ (1,057)	$ (1,303)
Non-Commercial [Member] \| Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	12,957	12,159
Non-Commercial [Member] \| Real Estate 1 - 4 Family Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	7,600	7,805
Non-Commercial [Member] \| Real Estate - Residential [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	71,370	76,564
Non-Commercial [Member] \| Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	51,216	52,541
Non-Commercial [Member] \| Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans, Total	$ 1,939	$ 2,110

Loans Held for Investment - Add

Loans Held for Investment - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Noncommercial segment Loans	$ 6,800,000	$ 4,500,000
Accruing Loans 90 or More Days Past Due	0	0
Restructured loans	3,900,000	3,500,000
Restructured loans included in impaired loans	3,900,000	3,500,000
Carrying value of foreclosed properties	494,000	1,000,000
Amount pledged to borrowings at Federal Home Loan Bank	166,900,000	187,600,000
Real Estate - Residential [Member]
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Accruing Loans 90 or More Days Past Due	0	0
Foreclosed residential real estate, loan amount	130,000
Real estate in process of foreclosure, loan amount	$ 387,000
Mortgages [Member]
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Concentrations of Loans as Percentage of Net Loans	36.34%
Commercial Loan [Member]
Schedule of Fair Value of Separate Accounts by Major Category of Investment [Line Items]
Concentrations of Loans as Percentage of Net Loans	59.50%
Accruing Loans 90 or More Days Past Due	$ 0	$ 0

Allowance for Loan Losses - Cha

Allowance for Loan Losses - Changes in Allowance for Loan Losses (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Allowance For Credit Losses [Line Items]
Balance, beginning of year	$ 2,374	$ 2,458	$ 2,707
Provision (recovery) charged to operations	(588)	90	(236)	$ (88)	$ (620)
Charge-offs	(160)	(326)	(208)
Recoveries	441	152	195
Net (charge-offs) recoveries	281	(174)	(13)
Other	(86)
Balance, end of year	1,981	2,374	2,458	2,707
Commercial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Balance, beginning of year	1,334	1,401	1,404
Provision (recovery) charged to operations	(571)	132	(72)
Charge-offs	(11)	(245)	(31)
Recoveries	367	46	100
Net (charge-offs) recoveries	356	(199)	69
Other	(32)
Balance, end of year	1,087	1,334	1,401	1,404
Non-Commercial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Balance, beginning of year	1,040	1,057	1,303
Provision (recovery) charged to operations	(17)	(42)	(164)
Charge-offs	(149)	(81)	(177)
Recoveries	74	106	95
Net (charge-offs) recoveries	(75)	25	(82)
Other	(54)
Balance, end of year	$ 894	$ 1,040	$ 1,057	$ 1,303

Allowance for Loan Losses - Sch

Allowance for Loan Losses - Schedule of Loans and Reserve Balances by Loan Segment Both Individually and Collectively Evaluated for Impairment (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Allowance For Credit Losses [Line Items]
Individually Evaluated, Reserve	$ 141	$ 154
Individually Evaluated, Loans	6,835	4,478
Collectively Evaluated, Reserve	1,840	2,220
Collectively Evaluated, Loans	351,115	365,492
Total Reserve	1,981	2,374	$ 2,458	$ 2,707
Total Loans	357,950	369,970	356,871	341,829	$ 320,132
Commercial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Individually Evaluated, Reserve	32	42
Individually Evaluated, Loans	3,660	1,359
Collectively Evaluated, Reserve	1,055	1,292
Collectively Evaluated, Loans	209,456	217,592
Total Reserve	1,087	1,334	1,401	1,404
Total Loans	213,116	218,951
Non-Commercial [Member]
Financing Receivable Allowance For Credit Losses [Line Items]
Individually Evaluated, Reserve	109	112
Individually Evaluated, Loans	3,175	3,119
Collectively Evaluated, Reserve	785	928
Collectively Evaluated, Loans	141,659	147,900
Total Reserve	894	1,040	$ 1,057	$ 1,303
Total Loans	$ 144,834	$ 151,019

Allowance for Loan Losses - Pas

Allowance for Loan Losses - Past Due Information of Loan Portfolio by Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Impaired [Line Items]
Total Past Due Loans	$ 3,536	$ 2,174
Current Loans	354,414	367,796
Total Loans	357,950	369,970	$ 356,871	$ 341,829	$ 320,132
Accruing Loans 90 or More Days Past Due	0	0
Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	614	1,130
Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	2,922	1,044
Real Estate - Commercial [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	2,088	273
Current Loans	128,910	130,361
Total Loans	130,998	130,634
Accruing Loans 90 or More Days Past Due	0	0
Real Estate - Commercial [Member] \| Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	2,088	273
Other Real Estate Construction [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	14	47
Current Loans	23,029	31,094
Total Loans	23,043	31,141
Accruing Loans 90 or More Days Past Due	0	0
Other Real Estate Construction [Member] \| Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	14
Other Real Estate Construction [Member] \| Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	0	47
Real Estate Construction [Member]
Financing Receivable Impaired [Line Items]
Current Loans	7,600	7,805
Total Loans	7,600	7,805
Accruing Loans 90 or More Days Past Due	0	0
Real Estate - Residential [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	1,078	1,496
Current Loans	70,044	74,908
Total Loans	71,122	76,404
Accruing Loans 90 or More Days Past Due	0	0
Real Estate - Residential [Member] \| Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	326	890
Real Estate - Residential [Member] \| Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	752	606
Home Equity [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	139	218
Current Loans	51,077	52,323
Total Loans	51,216	52,541
Accruing Loans 90 or More Days Past Due	0	0
Home Equity [Member] \| Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	57	100
Home Equity [Member] \| Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	82	118
Other Loans [Member]
Financing Receivable Impaired [Line Items]
Current Loans	1,939	2,110
Total Loans	1,939	2,110
Accruing Loans 90 or More Days Past Due	0	0
Commercial Loan [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	190	54
Current Loans	58,885	57,122
Total Loans	59,075	57,176
Accruing Loans 90 or More Days Past Due	0	0
Commercial Loan [Member] \| Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	190	54
Consumer Loans [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	27	86
Current Loans	12,930	12,073
Total Loans	12,957	12,159
Accruing Loans 90 or More Days Past Due	0	0
Consumer Loans [Member] \| Loans 30-89 Days Past Due [Member]
Financing Receivable Impaired [Line Items]
Total Past Due Loans	$ 27	$ 86

Allowance for Loan Losses - Add

Allowance for Loan Losses - Additional Information (Detail) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Receivables [Abstract]
Financing receivable recorded investment number of days past due	90 days
Non-performing loans	$ 2.9	$ 1

Allowance for Loan Losses - Com

Allowance for Loan Losses - Composition of Nonaccrual Loans by Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	$ 3,536	$ 2,174
Real Estate - Commercial [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	2,088	273
Other Real Estate Construction [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	14	47
Real Estate - Residential [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	1,078	1,496
Home Equity [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	139	218
Commercial Loan [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	190	54
Consumer Loans [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	27	86
Loans 90 Days or More Past Due and Non - Accrual [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	2,922	1,044
Loans 90 Days or More Past Due and Non - Accrual [Member] \| Real Estate - Commercial [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	2,088	273
Loans 90 Days or More Past Due and Non - Accrual [Member] \| Other Real Estate Construction [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	0	47
Loans 90 Days or More Past Due and Non - Accrual [Member] \| Real Estate - Residential [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	752	606
Loans 90 Days or More Past Due and Non - Accrual [Member] \| Home Equity [Member]
Financing Receivable Impaired [Line Items]
Increase in non-performing loans	$ 82	$ 118

Allowance for Loan Losses - Sum

Allowance for Loan Losses - Summary of Risk Grades of Portfolio by Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Recorded Investment [Line Items]
Loans	$ 357,950	$ 369,970	$ 356,871	$ 341,829	$ 320,132
Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	130,998	130,634
Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	23,043	31,141
Real Estate 1 - 4 Family Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	7,600	7,805
Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	71,122	76,404
Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	51,216	52,541
Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,939	2,110
Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	59,075	57,176
Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	12,957	12,159
Pass [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	344,220	356,114
Pass [Member] \| Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	126,498	127,592
Pass [Member] \| Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	21,253	28,711
Pass [Member] \| Real Estate 1 - 4 Family Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	7,600	7,805
Pass [Member] \| Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	67,647	69,900
Pass [Member] \| Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	50,255	52,028
Pass [Member] \| Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,939	2,110
Pass [Member] \| Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	56,151	55,883
Pass [Member] \| Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	12,877	12,085
Watch [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	9,014	10,810
Watch [Member] \| Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,194	1,518
Watch [Member] \| Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,477	2,070
Watch [Member] \| Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	2,464	5,470
Watch [Member] \| Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	879	395
Watch [Member] \| Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	2,921	1,284
Watch [Member] \| Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	79	73
Sub-standard [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	4,716	3,046
Sub-standard [Member] \| Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	3,306	1,524
Sub-standard [Member] \| Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	313	360
Sub-standard [Member] \| Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,011	1,034
Sub-standard [Member] \| Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	82	118
Sub-standard [Member] \| Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	3	9
Sub-standard [Member] \| Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	$ 1	$ 1

Allowance for Loan Losses - S_2

Allowance for Loan Losses - Summary of Performing and Nonperforming Loans by Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Financing Receivable Recorded Investment [Line Items]
Loans	$ 357,950	$ 369,970	$ 356,871	$ 341,829	$ 320,132
Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	130,998	130,634
Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	23,043	31,141
Real Estate 1 - 4 Family Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	7,600	7,805
Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	71,122	76,404
Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	51,216	52,541
Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,939	2,110
Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	59,075	57,176
Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	12,957	12,159
Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	355,028	368,926
Performing [Member] \| Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	128,910	130,361
Performing [Member] \| Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	23,043	31,094
Performing [Member] \| Real Estate 1 - 4 Family Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	7,600	7,805
Performing [Member] \| Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	70,370	75,798
Performing [Member] \| Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	51,134	52,423
Performing [Member] \| Other Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	1,939	2,110
Performing [Member] \| Commercial Loan [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	59,075	57,176
Performing [Member] \| Consumer Loans [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	12,957	12,159
Non-Performing [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	2,922	1,044
Non-Performing [Member] \| Real Estate - Commercial [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	2,088	273
Non-Performing [Member] \| Other Real Estate Construction [Member]
Financing Receivable Recorded Investment [Line Items]
Loans		47
Non-Performing [Member] \| Real Estate - Residential [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	752	606
Non-Performing [Member] \| Home Equity [Member]
Financing Receivable Recorded Investment [Line Items]
Loans	$ 82	$ 118

Allowance for Loan Losses - S_3

Allowance for Loan Losses - Summary of Loans Deemed Impaired and Specific Reserves Allocated by Class (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	$ 6,835	$ 5,016	$ 6,107
Recorded Investment With No Allowance	2,923	1,092	2,802
Recorded Investment With Allowance	3,912	3,386	2,767
Related Allowance	141	154	194
Average Recorded Investment	5,496	5,266	5,767
Interest Income	314	205	263
Real Estate - Commercial [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	3,612	1,258	1,593
Recorded Investment With No Allowance	1,923	93	1,305
Recorded Investment With Allowance	1,689	1,165	288
Related Allowance	29	38	9
Average Recorded Investment	2,273	1,503	1,650
Interest Income	145	51	72
Other Real Estate Construction [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	44	632	689
Recorded Investment With No Allowance		47	101
Recorded Investment With Allowance	44	47	50
Related Allowance	3	4	3
Average Recorded Investment	64	132	208
Interest Income	3	3	5
Real Estate 1 - 4 Family Construction [Member]
Financing Receivable Impaired [Line Items]
Average Recorded Investment			3
Real Estate - Residential [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	3,070	3,005	3,701
Recorded Investment With No Allowance	987	901	1,319
Recorded Investment With Allowance	2,083	2,104	2,382
Related Allowance	99	110	171
Average Recorded Investment	3,010	3,505	3,762
Interest Income	159	145	179
Home Equity [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	82	83	35
Recorded Investment With No Allowance	13	51	22
Recorded Investment With Allowance	69	32	13
Related Allowance	10	1	1
Average Recorded Investment	116	54	66
Interest Income	5	3	1
Commercial Loan [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	4	7	44
Recorded Investment With No Allowance			10
Recorded Investment With Allowance	4	7	34
Related Allowance			10
Average Recorded Investment	6	32	25
Interest Income			2
Consumer Loans [Member]
Financing Receivable Impaired [Line Items]
Unpaid Principal Balance	23	31	45
Recorded Investment With No Allowance			45
Recorded Investment With Allowance	23	31
Related Allowance		1
Average Recorded Investment	27	40	53
Interest Income	$ 2	$ 3	$ 4

Troubled Debt Restructures - Br

Troubled Debt Restructures - Breakdown of Types of Concessions Made by Loan Class (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)Contract	Dec. 31, 2018USD ($)Contract	Dec. 31, 2017USD ($)Contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	5	6	10
Pre-Modification Outstanding Recorded Investment	$ 1,940	$ 434	$ 907
Post-Modification Outstanding Recorded Investment	$ 1,061	$ 387	$ 863
Other Payment Terms [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	5	6	10
Pre-Modification Outstanding Recorded Investment	$ 1,940	$ 434	$ 907
Post-Modification Outstanding Recorded Investment	$ 1,061	$ 387	$ 863
Other Payment Terms [Member] \| Commercial Loan [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1		1
Pre-Modification Outstanding Recorded Investment	$ 50		$ 12
Post-Modification Outstanding Recorded Investment	$ 4		$ 10
Other Payment Terms [Member] \| Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract			1
Pre-Modification Outstanding Recorded Investment			$ 9
Post-Modification Outstanding Recorded Investment			$ 5
Other Payment Terms [Member] \| Real Estate - Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	1		2
Pre-Modification Outstanding Recorded Investment	$ 1,629		$ 178
Post-Modification Outstanding Recorded Investment	$ 838		$ 173
Other Payment Terms [Member] \| Real Estate - Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts \| Contract	3	6	6
Pre-Modification Outstanding Recorded Investment	$ 261	$ 434	$ 708
Post-Modification Outstanding Recorded Investment	$ 219	$ 387	$ 675

Troubled Debt Restructures - Ad

Troubled Debt Restructures - Additional Information (Detail)	12 Months Ended
	Dec. 31, 2019USD ($)Contract	Dec. 31, 2018USD ($)Contract	Dec. 31, 2017USD ($)Contract
Receivables [Abstract]
Number of TDR's payment default \| Contract	1	1	1
Outstanding balance of TDRs	$ 3,940,000	$ 3,500,000
Outstanding balance of TDRs still accruing	$ 3,910,000	3,400,000
TDR is defined as being past due	90 days
Allowance for loan loss on TDR	$ 117,000	$ 144,000	$ 171,000

Troubled Debt Restructures - Sc

Troubled Debt Restructures - Schedule of Status of Types of Debt Restructuring (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)ContractLoan	Dec. 31, 2018USD ($)ContractLoan	Dec. 31, 2017USD ($)ContractLoan
Financing Receivable, Modifications [Line Items]
Number of Loans \| Contract	5	6	10
Recorded Investments	$ 3,940	$ 3,500
Paid In Full [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan	1	8	6
Recorded Investments	$ 37	$ 1,056	$ 217
Paying as Restructured [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan	5	6	10
Recorded Investments	$ 1,940	$ 434	$ 863
Foreclosure/ Default [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan		1	1
Recorded Investments		$ 242	$ 15
Other Loans [Member] \| Paid In Full [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan	1	8	6
Recorded Investments	$ 37	$ 1,056	$ 217
Other Loans [Member] \| Paying as Restructured [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan	5	6	10
Recorded Investments	$ 1,940	$ 434	$ 863
Other Loans [Member] \| Foreclosure/ Default [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans \| Loan		1	1
Recorded Investments		$ 242	$ 15

Loan Servicing Assets - Additio

Loan Servicing Assets - Additional Information (Detail) - Mortgage Servicing Assets [Member] - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Unpaid principal balances of mortgage and other loans serviced for others	$ 419.4	$ 418.6
Fair value of mortgage servicing rights	$ 3.1	$ 3.5

Loan Servicing Assets - Summary

Loan Servicing Assets - Summary of Mortgage Servicing Rights (Detail) - Mortgage Servicing Assets [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets [Line Items]
Beginning of year servicing rights:	$ 1,850	$ 2,125	$ 2,271
Amounts capitalized	694	388	587
Amortization	(821)	(663)	(733)
End of year	$ 1,723	$ 1,850	$ 2,125

Loan Servicing Assets - Estimat

Loan Servicing Assets - Estimated Amortization Expense (Detail) - Mortgage Servicing Assets [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Finite-Lived Intangible Assets [Line Items]
2020	$ 406
2021	352
2022	298
2023	243
2024	188
Thereafter	236
Total	$ 1,723	$ 1,850	$ 2,125	$ 2,271

Loan Servicing Assets - Key Ass

Loan Servicing Assets - Key Assumptions Used to Value Mortgage Servicing Rights (Detail)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Transfers And Servicing [Abstract]
Weighted average remaining life	261 months	259 months
Weighted average discount rate	12.00%	12.00%
Weighted average coupon	4.04%	4.02%
Weighted average prepayment speed	182.00%	132.00%

Premises and Equipment - Major

Premises and Equipment - Major Classes of Premises and Equipment and the Total Accumulated Depreciation (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Total fixed assets	$ 29,438	$ 27,173
Less accumulated depreciation	12,376	12,373
Net fixed assets	17,062	14,800
Land [Member]
Property, Plant and Equipment [Line Items]
Total fixed assets	3,192	3,215
Building and Improvements [Member]
Property, Plant and Equipment [Line Items]
Total fixed assets	15,783	15,150
ROU Assets [Member]
Property, Plant and Equipment [Line Items]
Total fixed assets	1,945
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Total fixed assets	$ 8,518	$ 8,808

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property Plant And Equipment [Abstract]
Depreciation expense	$ 1,100,000	$ 1,100,000	$ 857,000

Leases - Additional Information

Leases - Additional Information (Detail)	12 Months Ended
Leases - Additional Information (Detail)	Dec. 31, 2019USD ($)BranchOfficeLocation	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Lessee Lease Description [Line Items]
Number of office locations leased \| OfficeLocation	3
Number of branch locations leased \| Branch	2
Lessee, Operating Lease, Existence of Option to Extend [true false]	true
Description of option to extend	Certain lease arrangements contain extension options which range from five to ten years at the then fair market rental rates.
Operating Lease, Liability	$ 2,012,000
Rental expense related to the operating leases		$ 339,782	$ 155,575
ASU 2016-02 [Member]
Lessee Lease Description [Line Items]
Operating Lease, Right-of-Use Asset	1,900,000
Operating Lease, Liability	2,000,000
Rental expense related to the operating leases	$ 371,327	$ 339,782	$ 155,757
Minimum [Member]
Lessee Lease Description [Line Items]
Operating leases remaining term	2 years
Option to extend term	5 years
Maximum [Member]
Lessee Lease Description [Line Items]
Operating leases remaining term	10 years
Option to extend term	10 years

Leases - Summary of Other Infor

Leases - Summary of Other Information Related to Operating Leases (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Cash paid for amounts included in the measurement of lease liabilities
Operating cash flows from operating leases	$ 357
ROU assets obtained in exchange for new operating lease liabilities	$ 1,945
Weighted-average remaining lease term - operating leases, in years	7 years 7 months 6 days
Weighted-average discount rate - operating leases	2.90%

Leases - Schedule of Maturities

Leases - Schedule of Maturities of Lease Expense (Detail) $ in Thousands	Dec. 31, 2019USD ($)
Operating Lease Liabilities Payments Due [Abstract]
2020	$ 381
2021	347
2022	225
2023	229
2024	233
Thereafter	846
Total lease payments	2,261
Less: Interest	(249)
Operating Lease, Liability	$ 2,012

Leases - Schedule of Operating

Leases - Schedule of Operating Lease Expense (Detail) $ in Thousands	Dec. 31, 2018USD ($)
Leases Operating [Abstract]
2019	$ 345
2020	345
2021	306
2022	189
2023	189
Thereafter	812
Total	$ 2,186

Deposits - Schedule of Composit

Deposits - Schedule of Composition of Time Deposits (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Banking And Thrift [Abstract]
Demand noninterest-bearing	$ 150,283	$ 129,714
Interest checking and money market	263,136	324,391
Savings	57,136	54,784
Time deposits $250,000 and over	55,682	7,920
Other time deposits	59,641	50,092
Total deposits	$ 585,878	$ 566,901	$ 512,628	$ 485,719	$ 467,733
Demand noninterest-bearing, percentage	26.00%	23.00%
Interest checking and money market, percentage	45.00%	57.00%
Savings, percentage	10.00%	10.00%
Time deposits $250,000 and over, percentage	9.00%	1.00%
Other time deposits, percentage	10.00%	9.00%
Total, percentage	100.00%	100.00%

Deposits - Maturities of Fixed-

Deposits - Maturities of Fixed-Rate Time Deposits (Detail) $ in Thousands	Dec. 31, 2019USD ($)
Time Deposits $250,000 and Over [Member]
Time Deposits By Maturity [Line Items]
2020	$ 53,866
2021	1,507
2022	309
Total	55,682
Other Time Deposits [Member]
Time Deposits By Maturity [Line Items]
2020	39,650
2021	15,522
2022	2,977
2023	610
2024	882
Total	$ 59,641

Short-Term Borrowed Funds - Sum

Short-Term Borrowed Funds - Summary of Short-Term Borrowed Funds (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Short-term Debt [Line Items]
Short-term borrowed funds, balance at year end	$ 626,000	$ 1,190,000
Short-term borrowed funds, weighted average rates at year end	0.89%	1.49%
Short-term borrowed funds, average balance during year	$ 906,000	$ 1,640,000
Short-term borrowed funds, weighted average rate during year	1.62%	1.00%
Federal Funds Purchased [Member]
Short-term Debt [Line Items]
Short-term borrowed funds, average balance during year	$ 2,000	$ 2,000
Short-term borrowed funds, weighted average rate during year	3.04%	2.92%
Master Notes and Other Short Term Borrowing [Member]
Short-term Debt [Line Items]
Short-term borrowed funds, balance at year end	$ 626,000	$ 1,190,000
Short-term borrowed funds, weighted average rates at year end	0.89%	1.49%
Short-term borrowed funds, average balance during year	$ 904,000	$ 1,638,000
Short-term borrowed funds, weighted average rate during year	1.61%	1.00%
Short-term borrowed funds, maximum month-end balance	$ 1,486,000	$ 2,006,000

Short Term-Borrowed Funds - Add

Short Term-Borrowed Funds - Additional Information (Detail) $ in Millions	Dec. 31, 2019USD ($)
Debt Disclosure [Abstract]
Federal Reserve discount	$ 47.2

Long-Term Debt - Additional Inf

Long-Term Debt - Additional Information (Detail) - USD ($)	12 Months Ended
Long-Term Debt - Additional Information (Detail) - USD ($)	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018
Debt Instrument [Line Items]
Line of credit	$ 98,000,000
Remaining borrowing availability	56,000,000
Long term advances	0		$ 0
Proceeds from Private placement, outstanding balance	$ 9,992,000		$ 9,974,000
Junior Subordinated Debt [Member]
Debt Instrument [Line Items]
Fixed rate junior subordinated debt securities per security		$ 1,000
Minimum investment required under private placement		$ 50,000
Debt securities final maturity date	Sep. 30, 2029
Proceeds from Private placement, outstanding balance	$ 10,000,000
Debt instrument earliest redemption date	Sep. 30, 2024
Interest rate of private placement	5.25%
Final maturity drops period	5 years
Percentage of proceeds from sale of securities imposed as reduction	20.00%
Standby Letters of Credit [Member]
Debt Instrument [Line Items]
Long term advances	$ 42,000,000

Long-Term Debt - Scheduled Matu

Long-Term Debt - Scheduled Maturities of Advances and Notes Payable (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Debt Disclosure [Abstract]
2020	$ 0
2021	0
2022	0
2023	0
2024	0
Thereafter	9,992
Total	$ 9,992	$ 9,974

Income Tax Matters - Significan

Income Tax Matters - Significant Components of Income Tax Expense (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current tax expense:
Federal	$ 662	$ 524	$ 1,022
State	94	94	96
Total	756	618	1,118
Deferred tax expense:
Federal	26	(47)	680
State	(11)	8	11
Total	15	(39)	691
Net provision for income taxes	$ 771	$ 579	$ 1,809	$ 895	$ 806

Income Tax Matters - Additional

Income Tax Matters - Additional Information (Detail) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Statutory federal income tax rate		21.00%	35.00%
Tax Cuts and Jobs Act of 2017, reclassification from AOCI to retained earnings, tax effect			$ 155
Tax Cuts and Jobs Act of 2017, provisional income tax expense	$ 806

Income Tax Matters - Provision

Income Tax Matters - Provision for Income Taxes and the Amounts Computed by Applying the Statutory Federal Income Tax Rate of 21% to Income Before Income Taxes (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Provision for income taxes and the amounts computed by applying the statutory federal income tax rate of 34% to income before income taxes
Tax computed at the statutory federal rate	$ 810	$ 642	$ 1,163
Increases (decrease) resulting from:
Tax exempt interest, net	(133)	(143)	(238)
State income taxes, net of federal benefit	65	80	71
Revalue of deferred tax assets			812
Other	29		1
Net provision for income taxes	$ 771	$ 579	$ 1,809	$ 895	$ 806

Income Tax Matters - Signific_2

Income Tax Matters - Significant Components of Deferred Taxes (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets relating to:
Allowance for loan losses	$ 478	$ 545	$ 569
Deferred compensation	1,078	1,012	936
Other	89	104	173
Lease liability	462
Net unrealized loss on securities available for sale		505	335
Total deferred tax assets	2,107	2,166	2,013
Deferred tax liabilities relating to:
Net unrealized gain on securities available for sale	(96)
Premises and equipment	(184)	(159)	(213)
Deferred loans fees and costs	(159)	(163)	(148)
Loan servicing	(92)	(99)	(116)
ROU asset	(447)
Total deferred tax liabilities	(978)	(421)	(477)
Net recorded deferred tax asset	$ 1,129	$ 1,745	$ 1,536

Commitments and Contingencies -

Commitments and Contingencies - Outstanding Financial Instruments Whose Contract Amounts Represent Credit Risk (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loss Contingencies [Line Items]
Total commitments	$ 147,104	$ 121,873
Commitments to Extend Credit [Member]
Loss Contingencies [Line Items]
Total commitments	134,241	110,329
Credit Card Commitments [Member]
Loss Contingencies [Line Items]
Total commitments	11,650	10,611
Standby Letters of Credit [Member]
Loss Contingencies [Line Items]
Total commitments	$ 1,213	$ 933

Related Party Transactions - Su

Related Party Transactions - Summary of Loans to Directors, Executive Officers and Their Related Interests (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Related Party Transactions [Abstract]
Balance, at beginning of the year	$ 9,284	$ 8,692
Disbursements during the year	4,833	1,902
Collections during the year	(3,822)	(1,310)
Balance, at end of the year	$ 10,295	$ 9,284

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
The Strategic Alliance Corp [Member]
Related Party Transaction [Line Items]
Private placement offering amount	$ 4,100,000
Revenue from private placement	$ 202,250
Executive Officers and Directors [Member]
Related Party Transaction [Line Items]
Unused lines of credit		$ 1,300,000	$ 3,900,000
Deposits for related party		12,700,000	10,600,000
Subordinated debt		$ 1,100,000	$ 795,000

Shareholders' Equity and Regu_3

Shareholders' Equity and Regulatory Matters - Additional Information (Detail) - USD ($)	1 Months Ended	12 Months Ended
	Jan. 31, 2013	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2013	Sep. 30, 2019
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Reserve on deposit liabilities		$ 4,900,000
Long-term debt		$ 9,992,000	$ 9,974,000
Shares repurchased during period		168,683	138,629	75,709
Junior Subordinated Debt [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Fixed rate junior subordinated debt securities per security						$ 1,000
Minimum investment required under private placement						$ 50,000
Long-term debt		$ 10,000,000
Debt securities final maturity date		Sep. 30, 2029
Debt instrument earliest redemption date		Sep. 30, 2024
Interest rate of private placement		5.25%
Final maturity drops period		5 years
Percentage of proceeds from sale of securities imposed as reduction		20.00%
Preferred Stock Series B [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Issued	$ 7,900,000
Dividends rate	5.30%
Sale	$ 7,900,000
Total issuance costs	$ 113,000
Voting rights		The preferred stock has no voting rights
Preferred Stock Series C [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Issued					$ 2,800,000
Dividends rate					5.30%
Sale					$ 2,800,000
Total issuance costs					$ 23,000
Voting rights		The preferred stock has no voting rights
Basel III [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
capital to risk-weighted assets		8.00%
Tier 1 leverage ratio		4.00%
capital conservation buffer risk-weighted assets		0.625%
capital conservation buffer risk-weighted assets addition per year		0.625%
capital conservation buffer risk-weighted assets, 2019		2.50%
capital conservation buffer risk-weighted assets end date		Jan. 1, 2016
Basel III [Member] \| Minimum [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
common equity Tier 1 capital to risk-weighted assets		4.50%
Tier 1 capital to risk-weighted asset		6.00%

Shareholders' Equity and Regu_4

Shareholders' Equity and Regulatory Matters - Company's Consolidated Capital Ratios (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Consolidated [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to Risk Weighted Assets, Actual (Amount)	$ 60,509	$ 58,777
Total Capital to Risk Weighted Assets, Actual (Ratio)	14.10%	14.00%
Total Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 34,387	$ 33,660
Total Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	8.00%	8.00%
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 42,984	$ 42,076
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	10.00%	10.00%
Tier 1 Capital to Risk Weighted Assets, Actual (Amount)	$ 48,536	$ 46,869
Tier 1 Capital to Risk Weighted Assets, Actual (Ratio)	11.30%	11.10%
Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 25,790	$ 25,245
Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	6.00%	6.00%
Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 34,387	$ 33,660
Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	8.00%	8.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual (Amount)	$ 37,881	$ 36,214
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual (Ratio)	8.80%	8.60%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 19,343	$ 18,934
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	4.50%	4.50%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 27,940	$ 27,349
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	6.50%	6.50%
Tier 1 Capital to Average Assets, Actual (Amount)	$ 48,536	$ 46,869
Tier 1 Capital to Average Assets, Actual (Ratio)	7.40%	7.40%
Tier 1 Capital to Average Assets, Minimum For Capital Requirement (Amount)	$ 26,336	$ 25,347
Tier 1 Capital to Average Assets, Minimum For Capital Requirement (Ratio)	4.00%	4.00%
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 32,920	$ 31,683
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	5.00%	5.00%
Uwharrie Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital to Risk Weighted Assets, Actual (Amount)	$ 58,082	$ 57,765
Total Capital to Risk Weighted Assets, Actual (Ratio)	13.60%	13.80%
Total Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 34,098	$ 33,460
Total Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	8.00%	8.00%
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 42,622	$ 41,826
Total Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	10.00%	10.00%
Tier 1 Capital to Risk Weighted Assets, Actual (Amount)	$ 56,101	$ 55,391
Tier 1 Capital to Risk Weighted Assets, Actual (Ratio)	13.20%	13.20%
Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 25,573	$ 25,095
Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	6.00%	6.00%
Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 34,098	$ 33,460
Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	8.00%	8.00%
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual (Amount)	$ 45,446	$ 44,736
Common Equity Tier 1 Capital to Risk Weighted Assets, Actual (Ratio)	10.70%	10.70%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Amount)	$ 19,180	$ 18,821
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum For Capital Requirement (Ratio)	4.50%	4.50%
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 27,704	$ 27,187
Common Equity Tier 1 Capital to Risk Weighted Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	6.50%	6.50%
Tier 1 Capital to Average Assets, Actual (Amount)	$ 56,101	$ 55,391
Tier 1 Capital to Average Assets, Actual (Ratio)	8.50%	8.80%
Tier 1 Capital to Average Assets, Minimum For Capital Requirement (Amount)	$ 26,249	$ 25,254
Tier 1 Capital to Average Assets, Minimum For Capital Requirement (Ratio)	4.00%	4.00%
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Amount)	$ 32,812	$ 31,567
Tier 1 Capital to Average Assets, Minimum to Be Well Capitalized Under Prompt Corrective Action Provisions (Ratio)	5.00%	5.00%

Stock Based Compensation - Addi

Stock Based Compensation - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost	$ 0
Options exercised, Shares	0	13,378	0
Options exercised, Weighted Average Exercise Price		$ 4.93
2006 Incentive Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation arrangement by share based payment award, expiration period	10 years
Number of options outstanding	0
Employee Stock Purchase Plan II [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share based compensation arrangement by share based payment award, expiration period	2 years
Number of options outstanding	0
Minimum [Member] \| 2006 Incentive Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
SOP vesting schedules	3 years
Maximum [Member] \| 2006 Incentive Stock Option Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
SOP vesting schedules	5 years

Employee and Director Benefit_2

Employee and Director Benefit Plans - Additional Information (Detail) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Associate minimum age to make elective deferrals	18 years
Associate minimum service period to make elective deferrals	30 days
Percentage of employee deferrals vested	100.00%
Annual contribution to plan	$ 446,228	$ 428,162	$ 361,936
Employee contributions	100.00%
Defined contribution plan, maximum annual contribution per employee for first compensation slab percentage	50.00%
Employee contributions benchmark	3.00%
2015 Stock Grant Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Percentage of share vested	100.00%
Number of shares granted	14,400	8,926	8,734
Share based compensation expenses	$ 72,000	$ 50,000	$ 50,000
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Fixed monthly benefit payments	10 years
Provision expensed for benefits	$ 336,800	336,800	336,800
Liability accrued for compensation deferred under the plan	$ 4,700,000	4,400,000
Split-Dollar Life Insurance [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest in cash surrender value of policies	100.00%
Expense income associated with policies	$ 13,107	1,846	$ 10,533
Liability associated with life insurance policies	$ 786,000	$ 773,000
Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Employee contributions benchmark	5.00%
Employee contributions benchmark	3.00%

Fair Values of Financial Inst_3

Fair Values of Financial Instruments and Interest Rate Risk - Comparison of Carrying Amounts and Estimated Fair Value of Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
FINANCIAL ASSETS
Securities available for sale	$ 88,524	$ 91,299
Securities held to maturity	13,499	10,750
Loans held for investment, net	355,969	367,596
Accrued interest receivable	1,666	1,763
FINANCIAL LIABILITIES
Long-term debt	9,992	9,974
Accrued interest payable	55	16
Carrying Value [Member]
FINANCIAL ASSETS
Cash and cash equivalents	155,198	117,934
Securities available for sale	88,524	91,299
Securities held to maturity	13,428	10,837
Loans held for investment, net	355,969	367,596
Loans held for sale	2,946	4,800
Restricted stock	1,144	1,094
Fair value of mortgage servicing rights	1,723	1,850
Accrued interest receivable	1,666	1,763
FINANCIAL LIABILITIES
Deposits	585,878	566,901
Short-term borrowings	626	1,190
Long-term debt	9,992	9,974
Accrued interest payable	55	16
Estimated Fair Value [Member]
FINANCIAL ASSETS
Cash and cash equivalents	117,938	117,901
Securities available for sale	88,524	91,299
Securities held to maturity	13,499	10,750
Loans held for investment, net	354,269	364,636
Loans held for sale	2,946	4,800
Restricted stock	1,144	1,094
Fair value of mortgage servicing rights	3,228	3,455
Accrued interest receivable	1,666	1,763
FINANCIAL LIABILITIES
Deposits	567,130	521,508
Short-term borrowings	626	1,190
Long-term debt	10,180	10,086
Accrued interest payable	55	16
Level 1 [Member]
FINANCIAL ASSETS
Cash and cash equivalents	115,693	115,693
Securities available for sale	5,012	4,955
Restricted stock	1,144	1,094
Level 2 [Member]
FINANCIAL ASSETS
Cash and cash equivalents	2,245	2,208
Securities available for sale	83,512	86,344
Securities held to maturity	10,499	10,750
Loans held for sale	2,946	4,800
Fair value of mortgage servicing rights	3,228	3,455
FINANCIAL LIABILITIES
Deposits	567,130	521,508
Short-term borrowings	626	1,190
Level 3 [Member]
FINANCIAL ASSETS
Securities held to maturity	3,000
Loans held for investment, net	354,269	364,636
Accrued interest receivable	1,666	1,763
FINANCIAL LIABILITIES
Long-term debt	10,180	10,086
Accrued interest payable	$ 55	$ 16

Fair Values of Financial Inst_4

Fair Values of Financial Instruments and Interest Rate Risk - Fair Value Information for Assets and Liabilities Measured at Fair Value on Recurring Basis (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	$ 88,524	$ 91,299
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,012	4,955
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	83,512	86,344
Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,029	4,771
Fair Value on a Recurring Basis [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	88,524	91,299
Total liabilities at fair value	0	0
Fair Value on a Recurring Basis [Member] \| U.S. Treasury [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,012	4,955
Fair Value on a Recurring Basis [Member] \| U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	25,686	51,916
Fair Value on a Recurring Basis [Member] \| GSE - Mortgage-backed Securities and CMO's [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	38,576	16,702
Fair Value on a Recurring Basis [Member] \| State and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	14,221	12,955
Fair Value on a Recurring Basis [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,012	4,955
Total liabilities at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 1 [Member] \| U.S. Treasury [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,012	4,955
Fair Value on a Recurring Basis [Member] \| Level 1 [Member] \| U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 1 [Member] \| GSE - Mortgage-backed Securities and CMO's [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 1 [Member] \| State and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	83,512	86,344
Total liabilities at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 2 [Member] \| U.S. Treasury [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 2 [Member] \| U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	25,686	51,916
Fair Value on a Recurring Basis [Member] \| Level 2 [Member] \| GSE - Mortgage-backed Securities and CMO's [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	38,576	16,702
Fair Value on a Recurring Basis [Member] \| Level 2 [Member] \| State and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	14,221	12,955
Fair Value on a Recurring Basis [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Total liabilities at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 3 [Member] \| U.S. Treasury [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 3 [Member] \| U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 3 [Member] \| GSE - Mortgage-backed Securities and CMO's [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Level 3 [Member] \| State and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Corporate Bonds [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,029	4,771
Fair Value on a Recurring Basis [Member] \| Corporate Bonds [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	0	0
Fair Value on a Recurring Basis [Member] \| Corporate Bonds [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	5,029	4,771
Fair Value on a Recurring Basis [Member] \| Corporate Bonds [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total assets at fair value	$ 0	$ 0

Fair Values of Financial Inst_5

Fair Values of Financial Instruments and Interest Rate Risk - Assets Re-Measured at Fair Value (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 88,524	$ 91,299
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	5,012	4,955
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	83,512	86,344
Fair Value on a Nonrecurring Basis [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	3,771	3,279
Other real estate owned	364	951
Fair Value	4,135	4,230
Total liabilities at fair value	0	0
Fair Value on a Nonrecurring Basis [Member] \| Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Other real estate owned	0	0
Fair Value	0	0
Total liabilities at fair value	0	0
Fair Value on a Nonrecurring Basis [Member] \| Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	0	0
Other real estate owned	0	0
Fair Value	0	0
Total liabilities at fair value	0	0
Fair Value on a Nonrecurring Basis [Member] \| Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impaired loans	3,771	3,279
Other real estate owned	364	951
Fair Value	4,135	4,230
Total liabilities at fair value	$ 0	$ 0

Fair Values of Financial Inst_6

Fair Values of Financial Instruments and Interest Rate Risk - Quantitative Information about Level 3 Fair Value Measurements (Detail)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Discounted Cash Flows [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation Technique	Discounted cash flows	Discounted cash flows
Discounted Cash Flows [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	4.00%	4.00%
Discounted Cash Flows [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	8.75%	8.75%
Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation Technique	Discounted appraisals	Discounted appraisals
Impaired Loans [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	0.00%	0.00%
Impaired Loans [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	25.00%	25.00%
OREO [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation Technique	Discounted appraisals	Discounted appraisals
OREO [Member] \| Minimum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	0.00%	0.00%
OREO [Member] \| Maximum [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value inputs discount rate and estimated costs to sell	10.00%	10.00%

Parent Company Financial Data -

Parent Company Financial Data - Condensed Balance Sheets (Detail) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
ASSETS
Cash and demand deposits	$ 7,520	$ 4,473
Interest-earning deposits	147,678	113,461
Investments in:
Other assets	10,852	11,905
Total assets	656,793	632,304	$ 577,253	$ 548,230	$ 532,202
Liabilities and shareholders’ equity
Short term debt	626	1,190
Long-term debt	9,992	9,974
Other liabilities	11,384	9,048
Total liabilities	607,935	587,129
Shareholders’ equity	38,203	34,520
Total liabilities and shareholders’ equity	656,793	632,304
Number of Common Shares Issued [Member]
ASSETS
Cash and demand deposits	526	287
Interest-earning deposits	1,589	1,256
Investments in:
Bank subsidiaries	45,770	43,042
Nonbank subsidiaries	381	450
Other assets	2,073	1,638
Total assets	50,339	46,673
Liabilities and shareholders’ equity
Master notes	626	1,190
Long-term debt	9,992	9,974
Other liabilities	1,518	989
Total liabilities	12,136	12,153
Shareholders’ equity	38,203	34,520
Total liabilities and shareholders’ equity	$ 50,339	$ 46,673

Parent Company Financial Data_2

Parent Company Financial Data - Condensed Statements of Income (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Condensed Income Statements, Captions [Line Items]
Other income	$ 344	$ 810	$ 595
Interest expense	(3,565)	(1,882)	(1,277)	$ (1,310)	$ (1,733)
Other operating expense	(1,869)	(1,917)	(2,009)
Income tax benefit	(771)	(579)	(1,809)	(895)	(806)
Net income	3,087	2,477	1,611	2,211	2,007
Consolidated net income	3,087	2,477	1,611	2,211	2,007
Less: Net income attributable to noncontrolling interest	(564)	(570)	(592)	(593)	(592)
Net income available to common shareholders	$ 2,523	$ 1,907	$ 1,019	$ 1,618	$ 1,415
Net income per common share
Basic	$ 0.35	$ 0.26	$ 0.14	$ 0.21	$ 0.19
Diluted	$ 0.35	$ 0.26	$ 0.14	$ 0.21	$ 0.19
Weighted average common shares outstanding
Basic	7,199,262	7,229,333	7,427,036	7,531,360	7,634,024
Diluted	7,199,262	7,229,333	7,427,804	7,531,470	7,634,024
Number of Common Shares Issued [Member]
Condensed Income Statements, Captions [Line Items]
Equity in undistributed earnings (loss) of subsidiaries	$ 1,206	$ 2,026	$ 745
Dividends received from subsidiaries	2,750	1,150	1,500
Interest income	15	17	6
Other income	41	80	93
Interest expense	(577)	(571)	(564)
Other operating expense	(578)	(410)	(436)
Income tax benefit	230	185	267
Net income	3,087	2,477	1,611
Consolidated net income	3,087	2,477	1,611
Less: Net income attributable to noncontrolling interest	(564)	(570)	(592)
Net income attributable to Uwharrie Capital Corp	2,523	1,907	1,019
Net income available to common shareholders	$ 2,523	$ 1,907	$ 1,019
Net income per common share
Basic	$ 0.36	$ 0.26	$ 0.14
Diluted	$ 0.36	$ 0.26	$ 0.14
Weighted average common shares outstanding
Basic	7,066,880	7,229,333	7,427,036
Diluted	7,066,880	7,229,333	7,427,804

Parent Company Financial Data_3

Parent Company Financial Data - Condensed Statements of Cash Flows (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities
Net Income	$ 3,087	$ 2,477	$ 1,611	$ 2,211	$ 2,007
Adjustments to reconcile net income to net cash provided by operating activities:
Net cash provided by operating activities	6,727	3,998	5,753
Increase in other assets	421	(422)	(602)
Increase in other liabilities	(6)	397	1,129
Cash flows from financing activities
Increase (decrease) in long-term debt	9,992	440
Repurchase of common stock, net	(850)	(747)	(391)
Cash paid for fractional shares	(7)	(8)	(6)
Net cash provided by financing activities	17,010	52,891	24,998
Increase in cash and cash equivalents	37,264	47,531	24,435
Cash and cash equivalents, beginning of year	117,934	70,403	45,968
Cash and cash equivalents, end of year	155,198	117,934	70,403	45,968
Number of Common Shares Issued [Member]
Cash flows from operating activities
Net Income	3,087	2,477	1,611
Adjustments to reconcile net income to net cash provided by operating activities:
Net cash provided by operating activities	1,974	473	1,009
Equity in undistributed (earnings) loss of subsidiaries	(1,206)	(2,026)	(745)
Increase in other assets	(435)	(198)	(124)
Increase in other liabilities	528	220	267
Cash flows from financing activities
Decrease in master notes	(564)	(562)	(410)
Decrease in short-term debt			(500)
Increase (decrease) in long-term debt	(440)	440
Net increase in subordinated debentures	458
Net increase in investment in subsidiaries		(250)
Net proceeds from issuance of common stock - stock options		65
Repurchase of common stock, net	(850)	(747)	(391)
Cash paid for fractional shares	(7)	(7)	(7)
Other, net	1
Net cash provided by financing activities	(1,402)	(1,061)	(1,308)
Increase in cash and cash equivalents	572	(588)	(299)
Cash and cash equivalents, beginning of year	1,543	2,131	2,430
Cash and cash equivalents, end of year	$ 2,115	$ 1,543	$ 2,131	$ 2,430

Selected Financial Data - Summa

Selected Financial Data - Summary of Quarterly Financial Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Interest income	$ 23,767	$ 21,873	$ 19,340	$ 18,046	$ 17,847
Interest expense	3,565	1,882	1,277	1,310	1,733
Net interest income	20,202	19,991	18,063	16,736	16,114
Provision for (recovery of) loan losses	(588)	90	(236)	(88)	(620)
Noninterest income	9,005	8,279	8,425	9,357	7,712
Noninterest expense	25,937	25,124	23,304	23,075	21,633
Income taxes	771	579	1,809	895	806
Net Income	3,087	2,477	1,611	2,211	2,007
Less: Net income attributable to noncontrolling interest	(564)	(570)	(592)	(593)	(592)
Net income attributable to Uwharrie Capital Corp and common shareholders	$ 2,523	$ 1,907	$ 1,019	$ 1,618	$ 1,415
Basic	$ 0.35	$ 0.26	$ 0.14	$ 0.21	$ 0.19
Diluted	0.35	0.26	0.14	0.21	0.19
Book value	$ 5.38	$ 4.75	$ 4.58	$ 4.40	$ 4.33
Basic	7,199,262	7,229,333	7,427,036	7,531,360	7,634,024
Diluted	7,199,262	7,229,333	7,427,804	7,531,470	7,634,024
Return on average assets	0.48%	0.40%	0.28%	0.41%	0.38%
Return on average equity	6.43%	5.57%	3.62%	4.99%	4.65%
Average equity to average assets	7.43%	7.26%	7.78%	8.29%	8.27%
Assets	$ 656,793	$ 632,304	$ 577,253	$ 548,230	$ 532,202
Loans held for investment	357,950	369,970	356,871	341,829	320,132
Securities	101,952	102,136	107,201	117,889	100,500
Deposits	585,878	566,901	512,628	485,719	467,733
Borrowed funds	10,618	11,164	11,286	12,208	15,305
Shareholders’ equity	48,858	45,175	44,540	43,525	43,314
Assets	645,681	612,403	572,630	534,296	521,699
Loans held for investment	369,540	369,419	348,980	334,317	316,485
Securities	100,775	103,223	113,025	107,396	112,348
Deposits	575,480	548,296	509,352	470,921	458,655
Borrowed funds	10,956	11,284	11,679	12,898	14,432
Shareholders’ equity	$ 47,993	$ 44,468	$ 44,542	$ 44,283	$ 43,123

Selected Financial Data - Sum_2

Selected Financial Data - Summary of Quarterly Financial Information (Parenthetical) (Details)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Quarterly Financial Information Disclosure [Abstract]
Adjusted stock dividend	2.00%	2.00%	2.00%	2.00%