$3.59B
−3.1%y/y
Percentile by value23rd percentileby value
FDIC
ASSETEB
ENCORE BANK
Little Rock, ArkansasFDIC Cert #34562
STATEEstablished 199719 branches
Holding company: ENCORE BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportENCORE BANK reported $3.59B in total assets. Deposits grew 10.44% over the prior year.
Return on assets was 0.31%, compared with an asset-peer median of 1.31%. The leverage ratio was 9.69%.
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Total Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$3.24B
+10.4%y/y
Percentile by value32nd percentileby value
FDIC
DEP$2.71B
−8.4%y/y
Percentile by value31st percentileby value
FDIC
LNLSNET0.31%
+18 bpsy/y
Peer standing3rd percentile
FDIC
NETINC + ROA87.96%
−640 bpsy/y
Peer standing3rd percentile
FDIC
NONIX + NIM + NONII + EEFFR9.69%
+91 bpsy/y
Peer standing29th percentile
FDIC
RBC1AAJPercentiles compare this bank with 269 banks from $3 billion to $10 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.13B | $896M |
| Q3 2021 | $1.3B | $1.02B |
| Q4 2021 | $1.63B | $1.34B |
| Q1 2022 | $1.82B | $1.53B |
| Q2 2022 | $2.43B | $1.94B |
| Q3 2022 | $2.8B | $2.25B |
| Q4 2022 | $3.55B | $2.66B |
| Q1 2023 | $3.81B | $2.82B |
| Q2 2023 | $4.03B | $2.71B |
| Q3 2023 | $4.19B | $3.11B |
| Q4 2023 | $4B | $2.85B |
| Q1 2024 | $3.96B | $3B |
| Q2 2024 | $3.97B | $2.96B |
| Q3 2024 | $3.86B | $3.06B |
| Q4 2024 | $3.74B | $2.95B |
| Q1 2025 | $3.71B | $2.93B |
| Q2 2025 | $3.58B | $3.1B |
| Q3 2025 | $3.58B | $3.23B |
| Q4 2025 | $3.63B | $3.27B |
| Q1 2026 | $3.59B | $3.24B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $427M |
| Investor CRE | $717M |
| Multifamily | $250M |
| Construction | $114M |
| 1–4 family | $608M |
| C&I | $607M |
| Agriculture | $9.02M |
| Other | $12.4M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.31%3rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.62%Median 1.31%90th 1.98%Observations 269
ROE
FDIC
NETINC + ROE3.73%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.65%Median 12.37%90th 18.59%Observations 269
NIM
FDIC
NIM + NIMY2.55%10th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.54%Median 3.63%90th 4.54%Observations 275
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.96%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 40.83%Median 57.10%90th 73.47%Observations 269
Deposits YoY
FDIC
DEP+10.44%77th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.75%Median +5.09%90th +22.27%Observations 273
Loans YoY
FDIC
LNLSNET−8.39%4th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.13%Median +6.60%90th +20.92%Observations 272
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.24%82nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.16%Median 0.64%90th 1.96%Observations 272
Leverage
FDIC
RBC1AAJ9.69%29th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.88%Median 10.42%90th 13.45%Observations 275
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.31%21st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.86%Median 2.69%90th 3.74%Observations 267
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC291%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 76%Median 233%90th 347%Observations 239
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.31%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.69%Median 1.24%90th 2.04%Observations 78
ROE
FDIC
NETINC + ROE3.73%4th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.19%Median 11.80%90th 19.41%Observations 78
NIM
FDIC
NIM + NIMY2.55%0th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.32%Median 4.05%90th 4.87%Observations 78
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR87.96%3rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 59.70%90th 77.70%Observations 78
Deposits YoY
FDIC
DEP+10.44%79th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.85%Median +5.44%90th +15.40%Observations 78
Loans YoY
FDIC
LNLSNET−8.39%3rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.76%Median +6.31%90th +17.60%Observations 78
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.24%77th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.67%90th 2.39%Observations 78
Leverage
FDIC
RBC1AAJ9.69%25th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.09%Median 10.90%90th 15.93%Observations 78
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.31%10th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.02%Median 2.70%90th 3.34%Observations 78
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC291%83rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 72%Median 238%90th 298%Observations 36
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 19 branches
- Headquarters
- Little Rock, AR
FDIC
OFFDOMOpen the Arkansas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data