ENCORE BANK
ENCORE BANK reported total assets of $3.7 bn at Q2 2026, up 3.4% on a year earlier, the 346th largest of 497 banks in our US coverage. The CET1 capital ratio at ENCORE BANK was 11.83%, and the uninsured share of ENCORE BANK was 39.81%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, ENCORE BANK climbed from 440th to 352nd among 448 US banks between and (1 = highest; FDIC Call Reports).
- ENCORE BANK has one of the highest efficiency ratio readings among banks of $1 bn to $10 bn: 85.16% at , against a median of 56.87% across 339 banks (FDIC Call Reports).
- The return on assets (ROA) of ENCORE BANK, 0.37% at , places ENCORE BANK in the bottom tenth of banks of $1 bn to $10 bn (group median 1.32%; FDIC Call Reports).
What sets ENCORE BANK apart
- Among the 339 banks of $1 bn to $10 bn, few report a lower return on equity (ROE) than ENCORE BANK, at 4.49% in ; the group median is 12.68%.
- ENCORE BANK reports one of the lowest net interest margin readings among banks of $1 bn to $10 bn: 2.67% at , where the median of the 339 banks is 3.66%.
- Over the year to , the net loans and leases of ENCORE BANK fell by 6.8% to $2.7 bn, a bigger fall than at 96% of covered banks.
How large is ENCORE BANK?
The balance sheet of ENCORE BANK at : assets $3.7 bn, deposits $3.4 bn, net loans $2.7 bn (loans equal to 80.12% of deposits). Securities make up 12.3% of total assets at ENCORE BANK. Since , when ENCORE BANK held $145.4 mn, its assets grew 2,446.9%. In the year to , deposits at ENCORE BANK rose 8.0% while its total assets rose 3.4%. At , ENCORE BANK employed 315 full-time equivalent staff across 19 offices, about $11.8 mn of assets per employee and $176.3 mn of deposits per office.
How much funding at ENCORE BANK is uninsured?
At ENCORE BANK, uninsured deposits (above the FDIC limit) made up 39.81% of domestic deposits at (+5.08 pp on a year earlier); ENCORE BANK ranks 187th of 500 on this measure. In dollars, ENCORE BANK estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.4 bn | +8.0% | 332nd of 499 |
| Net loans and leases | $2.7 bn | -6.8% | 344th of 500 |
| Loan-to-deposit ratio | 80.12% | -12.79 pp | 340th of 500 |
| Tier 1 leverage ratio | 9.43% | +0.45 pp | 378th of 500 |
| Total risk-based capital ratio | 13.08% | +0.99 pp | 350th of 448 |
| Net interest margin | 2.67% | +0.58 pp | 452nd of 500 |
| Return on assets (ROA) | 0.37% | +0.25 pp | 481st of 500 |
| Efficiency ratio | 85.16% | -9.36 pp | 490th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $57.6 mn | Narrowed by $23.8 mn | |
| Noncurrent loans to total loans | 0.17% | +0.02 pp | 55th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.13% | -0.22 pp | 301st of 500 (1 = lowest) |
US rank of ENCORE BANK: 1 = highest unless marked 1 = lowest.
Balance sheet
ENCORE BANK: assets, deposits and loans
- Total assets $3.7bn
- Deposits $3.4bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of ENCORE BANK stood at 11.83% in , +0.93 pp year on year. Low and high at ENCORE BANK since : 9.19% () to 26.19% (). Equity capital of ENCORE BANK at : $309.7 mn, or 8.4% of total assets. ENCORE BANK also reported a total capital ratio of 13.08% for , and a tier 1 leverage ratio of 9.43%.
The available-for-sale portfolio of ENCORE BANK showed an unrealized loss of $57.6 mn at ; the loss narrowed by $23.8 mn over the year.
ENCORE BANK: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.4%
ENCORE BANK: unrealized securities gains and losses
- Available for sale -$58mn
- Held to maturity $0
Profitability and loan quality
For the year to , ENCORE BANK earned a return on equity of 4.49%; return on assets: 0.37%. Net interest margin at ENCORE BANK: 2.67%, +0.58 pp in a year. ENCORE BANK net income: $6.8 mn, up 210.7% year on year. The efficiency ratio of ENCORE BANK was 85.16%: about 85 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.17% of total loans at ENCORE BANK; net charge-offs: 0.13% of average loans. Gross loans and leases at ENCORE BANK: $2.7 bn, down 6.9% in a year.
ENCORE BANK: profitability
- Return on equity 4.5%
- Net interest margin 2.7%
- Return on assets 0.4%
Peer group of ENCORE BANK
The peer group of ENCORE BANK is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of ENCORE BANK (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Arkansas. Against them, ENCORE BANK shows CET1 ratio 11.83% against a peer median of 11.37%, return on equity 4.49% against a peer median of 12.59% and uninsured deposit share 39.81% against a peer median of 34.21%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Independence Bank of Kentucky | State member bank | KY | $3.8 bn | not reported | 13.76% | 41.24% | |
| Bank of Utah | State nonmember bank | UT | $3.8 bn | 16.36% | 10.55% | 46.42% | |
| Bank of the Sierra | State nonmember bank | CA | $3.7 bn | not reported | 11.30% | 27.86% | |
| ENCORE BANK | State member bank | AR | $3.7 bn | 11.83% | 4.49% | 39.81% | |
| D. L. Evans Bank | State nonmember bank | ID | $3.7 bn | not reported | 14.79% | 30.15% | |
| Macatawa Bank | National bank | MI | $3.7 bn | 11.37% | 11.42% | 37.25% | |
| St. Charles Bank & Trust Company | National bank | IL | $3.7 bn | 11.07% | 14.34% | 31.17% | |
. FDIC Call Reports.
Last eight quarters
Two years at ENCORE BANK, to : assets -4.1%, deposits +9.4%, equity +8.1%. Staff 307 to 315.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.9 bn | $3.7 bn | $3.7 bn | $3.6 bn | $3.6 bn | $3.6 bn | $3.6 bn | $3.7 bn |
| Total deposits | $3.1 bn | $2.9 bn | $2.9 bn | $3.1 bn | $3.2 bn | $3.3 bn | $3.2 bn | $3.4 bn |
| Bank equity capital | $286.4 mn | $280.4 mn | $281.4 mn | $277.5 mn | $290.7 mn | $299.8 mn | $298.4 mn | $309.7 mn |
| CET1 ratio | 10.02% | 10.36% | 10.49% | 10.90% | 11.47% | 11.81% | 11.70% | 11.83% |
| Return on equity (ROE) | 1.05% | 1.54% | 1.73% | 1.56% | 1.88% | 2.48% | 3.73% | 4.49% |
| Uninsured share of domestic deposits | 23.14% | 23.44% | 26.52% | 34.72% | 37.90% | 30.31% | 35.51% | 39.81% |
| Full-time equivalent employees | 307 | 304 | 308 | 314 | 312 | 314 | 322 | 315 |
| Number of offices | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at ENCORE BANK
- Total assets at ENCORE BANK changed by +25.5% in the quarter to 2019-09-30, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +28.1% in the quarter to 2019-12-31, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +28.8% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +43.4% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +25.8% in the quarter to 2021-12-31, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +33.9% in the quarter to 2022-06-30, with no FDIC structure event in that quarter.
- Total assets at ENCORE BANK changed by +27.1% in the quarter to 2022-12-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of ENCORE BANK?
ENCORE BANK reported $3.7 bn at in its Call Report. That makes ENCORE BANK the 346th largest of 497 banks in our US coverage.
Is ENCORE BANK the same as its holding company?
No. This page covers ENCORE BANK, FDIC certificate 34562; ENCORE BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is ENCORE BANK profitable?
ENCORE BANK reported net income of $6.8 mn for the year to ; annualized return on equity: 4.49%. So yes: ENCORE BANK made a profit over these months.
When is data for ENCORE BANK next updated?
Figures from ENCORE BANK for are due after .
Where can I check the figures for ENCORE BANK?
In the FDIC BankFind Suite record for certificate 34562, and in the Call Reports of ENCORE BANK (RSSD ID 2594240) at the FFIEC Central Data Repository.