BanksENCORE BANK

ENCORE BANK

LITTLE ROCK, ARLargeEst. Sept. 8, 1997, midnightFDIC #34562RSSD #2594240FED
Latest · 2025-12-31

ENCORE BANK is an FDIC-insured commercial bank headquartered in LITTLE ROCK, AR, established in Sept. 8, 1997, midnight. As of 2025-12-31, the bank reported total assets of $3.6B and total deposits of $3.3B. Profitability stands at 0.34% ROA and 4.20% ROE, with a net interest margin of 2.65%. CET1 capital ratio: 11.81%, well above regulatory minimums. NPL ratio: 0.21% · Texas Ratio: 1.70%. Operates 18 domestic branches.

Assets
$3.6B
Deposits
$3.3B
Loans
$2.7B
Equity
$300M

Profitability

Return on Assets (ROA)0.34%
Return on Equity (ROE)4.20%
Net Interest Margin2.65%
Yield on Assets5.50%
Cost of Funds2.89%

Asset Quality

NPL Ratio0.21%
Net Charge-Off Ratio0.28%
Texas Ratio1.70%
NPA Ratio0.16%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio11.81%
Tier 1 Capital11.81%
Total Capital Ratio13.02%
Leverage Ratio9.54%
Loan-to-Deposit83.58%

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