Encore Bank
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Data as of · sourced from FFIEC call reports. How we update
Encore Bank is an FDIC-insured commercial bank headquartered in Little Rock, AR, established in 1997 (FDIC certificate 34562), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $3.70B, up 3.4% from Q2 2025, the 6th largest of 78 banks headquartered in Arkansas. Its CET1 capital ratio was 11.83% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 34562
- Headquarters
- Little Rock, AR
- Established
- 1997
- Total assets, Q2 2026
- $3.70B
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 11.83%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 082008583
- Latest call report
- Q2 2026, FFIEC 051 · Encore Bank call report
- Holding company
- ENCORE BANCSHARES, INC
- Asset rank in state
- 6th of 78 in Arkansas
Encore Bank spends more to run itself than most banks of its size. It reported $3.7 billion in assets at June 30, 2026, up 3.4% from a year earlier. It earns about $0.44 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. It also spends about 81 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 58 cents).
Loans and deposits moved in opposite directions: over the year loans fell 6.9% and deposits rose 8.0%. Paper losses on its bond portfolio are shrinking: unrealized losses of $58 million equal 17% of Tier 1 capital, down from 25% a year earlier. Its margin is thin by comparison: it keeps 2.83 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.71 cents).
As of June 30, 2026, Encore Bank reported a CET1 capital ratio of 11.83%, a return on assets of 0.44%, a nonperforming-loan ratio of 0.17% and a Texas ratio of 1.36%. The figures come from its call report filed with the FFIEC.
Of the 78 banks headquartered in Arkansas, Encore Bank is the 6th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.2% to $3.70B, loans fell 0.9% and deposits rose 3.5%. Non-owner-occupied commercial real estate loans made up 26.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 22.0%. The FDIC Summary of Deposits lists 18 offices for it, in 17 cities across 7 states; its Little Rock 2 offices book 48% of its branch deposits. Judged on its Q2 2026 call report, Encore Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1801 Rahling Rd, Little Rock, AR 72223
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1997
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 315
- Domestic deposits
- $3.35B
- Allowance for credit losses
- $35.4M
- Net charge-offs (YTD)
- $1.8M
- Average total assets
- $3.62B
- Average total loans
- $2.73B
- Average interest-bearing deposits
- $2.55B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 8, 1997
- FDIC Cert
- 34562
- Fed RSSD
- 2594240
- SEC CIK
- 1768696 → filed by ENCORE BANCSHARES, INC
- Website
- www.bankencore.com →
- Parent Holding Company
- ENCORE BANCSHARES, INC (RSSD 2777016)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Encore Bank's total assets ran between $3.58B (Q3 2025) and $4.19B (Q3 2023), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.70B total assets against $3.58B; $3.39B total liabilities against $3.30B.
$2.68B net loans and leases against $2.88B; $3.35B total deposits against $3.10B.
$454.4M securities against $423.1M; $387.4M cash and balances due against $93.9M.
$45.4M total interest income against $46.7M; $21.4M total interest expense against $28.2M.
$24.0M net interest income against $18.5M.
$3.9M total noninterest income against $3.7M; $23.1M total noninterest expense against $21.0M.
$0 provision for credit losses against $157K.
$4.0M net income against $971K.
0.44% return on assets against 0.10%; 2.83% net interest margin against 2.10%.
11.83% CET1 capital ratio against 10.90%; 9.43% tier 1 leverage ratio against 8.98%.
Inside the full Encore Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Encore Bank rankings
Its closest position to the top of a national ranking is 345 of 4,196, for total assets; its furthest is 3,297 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.10% (Q2 2025) to 0.44% (Q2 2026) and its net interest margin ran from 1.94% (Q3 2024) to 2.83% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 0.44% | 0.17% | 1.36% | 2.83% |
| Q1 2026 | 11.70% | 0.32% | 0.23% | 1.84% | 2.67% |
| Q4 2025 | 11.81% | 0.35% | 0.22% | 1.78% | 2.72% |
| Q3 2025 | 11.47% | 0.20% | 0.28% | 2.36% | 2.30% |
| Q2 2025 | 10.90% | 0.10% | 0.15% | 1.39% | 2.10% |
| Q1 2025 | 10.49% | 0.13% | 0.13% | 1.20% | 1.96% |
| Q4 2024 | 10.36% | 0.22% | 0.23% | 2.17% | 2.00% |
| Q3 2024 | 10.02% | 0.21% | 0.30% | 2.86% | 1.94% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Encore Bank (main office) | Little Rock , AR | 72223 | $1.51B |
| Encore Bank - Dallas Branch | Dallas , TX | 75225 | $678.5M |
| Encore Bank - Fort Worth Branch | Fort Worth , TX | 76107 | $163.0M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $122.7M |
| Encore Bank - Denver Branch | Denver , CO | 80237 | $115.6M |
| Heights Branch | Little Rock , AR | 72207 | $110.6M |
| Encore Bank - Plano Branch | Plano , TX | 75024 | $85.1M |
| Encore Bank - Austin Branch | Austin , TX | 78701 | $83.9M |
| Encore Bank - Fayetteville Branch | Fayetteville , AR | 72701 | $81.8M |
| Encore Bank - Tampa Branch | Tampa , FL | 33607 | $74.1M |
| Encore Bank - San Antonio Branch | San Antonio , TX | 78215 | $71.4M |
| Encore Bank - Springfield Branch | Springfield , MO | 65804 | $58.9M |
| Charleston Branch | Charleston , SC | 29405 | $56.7M |
| Rogers Branch | Rogers , AR | 72758 | $35.7M |
| Encore Bank - Charlotte Branch | Charlotte , NC | 28211 | $35.4M |
| Encore Bank - Boulder Branch | Boulder , CO | 80302 | $28.1M |
| Encore Bank - Winston-Salem Branch | Winston-Salem , NC | 27101 | $27.8M |
| Encore Bank - Greenville Branch | Greenville , SC | 29601 | $15.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.7% of deposits in AR, rank 11 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 863 applications, 529 loans originated, $201.1M originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $20.7M approved, $941K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Encore Bank
What are Encore Bank's total assets?
As of the Q2 2026 filing, Encore Bank reported total assets of $3.70 billion in its FFIEC call report.
Where is Encore Bank headquartered?
It is headquartered in Little Rock, AR, United States.
When was Encore Bank founded?
It was established in 1997, per the FDIC institution directory.
Is Encore Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Encore Bank?
Encore Bank's primary federal regulator is the Federal Reserve.
What is Encore Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Encore Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Encore Bank's Texas Ratio?
Its Texas Ratio is 1.36% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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