Uwharrie Capital Corp

Item 2.02 Results of Operations and Financial Condition. On July 22, 2026, Uwharrie Capital Corp (the “Registrant”) announced financial results for the period ended June 30, 2026. The Registrant reported consolidated total assets of $1.22 billion at June 30, 2026, compared to $1.20 billion at December 31, 2025. Net income for the six-month period ended June 30, 2026, was $7.1 million versus $5.4 million for the same period in 2025. For the six months ended June 30, 2026, net income available to common shareholders was $6.8 million, or $0.96 per share, compared to $5.1 million, or $0.70 per share, for the six months ended June 30, 2025. Net income available to common shareholders takes into consideration the payment of dividends on preferred stock issued by the Registrant. Net income for the three-month period ended June 30, 2026, was $3.9 million versus $2.8 million for the same period in 2025. For the three months ended June 30, 2026, net income available to common shareholders was $3.8 million, or $0.53 per share, compared to $2.7 million, or $0.37 per share, for the three months ended June 30, 2025. A copy of the press release (the “Press Release”) announcing the Registrant’s results is attached as Exhibit 99.1 and incorporated by reference herein. This Current Report on Form 8-K (including information included or incorporated by reference herein) may contain, among other things, certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, including, without limitation, (i) statements regarding certain of the Registrant’s goals and expectations with respect to earnings, income per share, revenue, expenses and the growth rate in such items, as well as other measures of economic performance, including statements relating to estimates of credit quality trends, and (ii) statements preceded by, followed by or that include the words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” “projects,” “outlook” or similar expressions. These statements are based upon the current belief and expectations of the Registrant’s management and are subject to significant risks and uncertainties that are subject to change based on various factors (many of which are beyond the Registrant’s control).