Bank call report · Little Rock, AR
Encore Bank Call Report
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Encore Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 385 reported line items, schedule by schedule (705 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 2594240 |
| FDIC certificate number | 34562 |
| Total assets | $3.70B |
Official Q2 2026 call report PDF (FFIEC) →
Encore Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Encore Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $3.70B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $3.70B |
| Total Liabilities and Minority Interest | RCON2948 | $3.39B |
| Total Deposits | RCON2200 | $3.35B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $2.71B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $2.68B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $2.52B |
| Deposits: Noninterest-bearing | RCON6631 | $828.8M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $454.4M |
| Surplus | RCON3839 | $355.8M |
| Interest-bearing Balances | RCON0071 | $327.0M |
| Total Equity Capital | RCON3210 | $309.7M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $309.7M |
| Other Assets | RCON2160 | $154.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $49.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$43.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $35.4M |
| Other Liabilities, Total | RCON2930 | $27.5M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $22.5M |
| Other Borrowed Money | RCON3190 | $15.5M |
| Federal Funds Sold | RCONB987 | $11.2M |
| Loans and Leases Held for Sale | RCON5369 | $9.2M |
| Undivided Profits and Capital Reserves | RCON3632 | -$2.9M |
| Common Stock | RCON3230 | $320K |
Schedule RI: Income Statement (42 items)
About Schedule RI · Encore Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $88.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $78.0M |
| Total Noninterest Expense | RIAD4093 | $45.8M |
| Net Interest Income | RIAD4074 | $45.7M |
| Total Interest Expense | RIAD4073 | $42.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $41.2M |
| Salaries and Employee Benefits | RIAD4135 | $26.5M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $25.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $21.4M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $15.1M |
| Other Noninterest Expense | RIAD4092 | $15.1M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $13.4M |
| Total Noninterest Income | RIAD4079 | $8.1M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $7.9M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $7.9M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $6.8M |
| Net Income (Loss) | RIAD4340 | $6.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $6.8M |
| Interest on Other Securities | RIAD4060 | $6.2M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $4.3M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $4.2M |
| Other Noninterest Income | RIADB497 | $4.1M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $2.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.3M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $2.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $1.9M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $1.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.5M |
| Applicable Income Taxes | RIAD4302 | $1.1M |
| Provision for Loan and Lease Losses | RIAD4230 | $600K |
| Other Interest Income | RIAD4518 | -$592K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $161K |
| Other Interest Expense | RIADGW44 | $142K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $100K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $95K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $84K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $81K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $77K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $71K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $31K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 315 |
Schedule RC-B: Securities (36 items)
About Schedule RC-B · Encore Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $44.9M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $39.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $512.0M |
| Pledged Securities | RCON0416 | $374.0M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $309.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $270.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $173.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $96.5M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $88.3M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $79.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $61.2M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $47.7M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $45.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $42.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $28.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $16.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $13.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $10.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $8.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $7.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $7.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $6.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $4.8M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $3.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $3.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $2.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $1.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.1M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $827K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Fair Value | RCONK157 | $574K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $498K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $498K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $438K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $438K |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :All Other Commercial MBS: Available-for-sale Amortized Cost | RCONK156 | $379K |
Schedule RC-C, Part I: Loans and Leases (34 items)
About Schedule RC-C, Part I · Encore Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $2.72B |
| Pledged Loans and Leases | RCONG378 | $1.34B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $728.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $679.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $653.7M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $616.0M |
| Commercial and Industrial Loans | RCON1766 | $586.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $558.7M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $420.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $286.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $272.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $243.2M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $231.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $211.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $142.9M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $127.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $81.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $48.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $46.6M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $30.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $26.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $22.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $22.4M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $12.0M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $9.5M |
| Real Estate Loans Secured by Farmland | RCON1420 | $8.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $6.0M |
| Other Loans | RCONJ464 | $5.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $3.7M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.2M |
| Unearned Income on Loans | RCON2123 | -$857K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $616K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $522K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $27K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $120.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $96.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $23.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $9.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.9M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $840K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $750K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $287K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $142K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $49K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $45K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 314 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 297 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 247 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 221 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 42 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 18 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (33 items)
About Schedule RC-E · Encore Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Demand Deposits (See Note Below) | RCON2210 | $1.72B |
| Total Transaction Accounts | RCON2215 | $1.72B |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.63B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.58B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $1.55B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $1.45B |
| Total reciprocal deposits | RCONJH83 | $600.3M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $408.5M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $408.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $102.8M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $84.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $78.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $77.4M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $54.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $52.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $51.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $38.9M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $38.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $32.0M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $26.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $26.2M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $25.8M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $19.4M |
| Total Brokered Deposits | RCON2365 | $19.4M |
| Total Nontransaction Accounts of United States Government | RCON2520 | $17.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $12.6M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $9.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $6.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $6.1M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $3.0M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $840K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $78.2M |
| Other Assets | RCON2168 | $26.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $19.3M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $14.4M |
| Net Deferred Tax Assets | RCON2148 | $13.2M |
| Accrued Interest Receivable | RCONB556 | $12.0M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $5.6M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $18.4M |
| Operating lease liabilities | RCONLB56 | $17.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $6.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $1.6M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $708K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Encore Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $3.62B |
| Quarterly Average of Total Loans | RCON3360 | $2.73B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $1.53B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $1.46B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $876.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $597.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $594.3M |
| All Other Securities | RCONB560 | $355.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $209.6M |
| Mortgage-backed Securities | RCONB559 | $140.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $110.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $102.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $18.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $8.9M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $5.9M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $2.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.0M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Encore Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $1.08B |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $138.6M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $45.2M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $45.2M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $28.7M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $26.6M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $22.0M |
| Commercial and Similar Letters of Credit | RCON3411 | $6.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $602K |
Schedule RC-M: Memoranda (5 items)
About Schedule RC-M · Encore Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $28.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $10.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $5.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $5.5M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 10 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Encore Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $9.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $4.3M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $4.0M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $2.4M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.6M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.1M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $672K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $672K |
| Debt Securities and Other Assets - Nonaccrual | RCON3507 | $315K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Encore Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $3.62B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $3.35B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $2.34B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $1.33B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.01B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $338.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $3.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.2M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 17,769 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 1,284 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 71 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (2 items)
Schedule RC-R: Regulatory Capital (2 items)
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Encore Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $3.62B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $3.61B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $2.87B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $376.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $356.1M |
| Common Equity Tier 1 Capital | RCOAP859 | $340.0M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $340.0M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $340.0M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $309.7M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$43.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$43.2M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $35.9M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $35.9M |
| Tier 2 Capital Before Deductions | RCOAP870 | $35.9M |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $13.2M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $13.2M |
| Retained Earnings | RCOAKW00 | -$2.9M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | -$386K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1308 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1183 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1183 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0943 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0508 |
Schedule RC-R, Part II: Risk-Weighted Assets (67 items)
About Schedule RC-R, Part II · Encore Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $2.87B |
| Total Risk-weighted Assets | RCONG641 | $2.87B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $2.39B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $2.39B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $2.29B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $2.12B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $2.11B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $769.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $769.3M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $757.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $588.8M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $579.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $454.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $406.1M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $393.0M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $384.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $376.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $305.5M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $301.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $299.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $299.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $209.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $198.9M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $179.4M |
| Total All Other Assets | RCOND981 | $176.7M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $121.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $99.4M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $96.4M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $75.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $75.0M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$65.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $59.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$57.6M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $48.1M |
| Risk-weighted Assets by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS575 | $28.0M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $27.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $22.5M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $11.2M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $11.2M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $10.6M |
| Over-the-counter Derivatives - 0 Pct Risk Weight Category | RCONS543 | $10.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $9.5M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $9.2M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $9.2M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $9.1M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $9.0M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $7.2M |
| All Other Assets - 400 Pct Risk Weight Category | RCONS470 | $7.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 400 Pct Risk Weight Category | RCONS564 | $7.0M |
| Total Balance Sheet Assets - 400 Pct Risk Weight Category | RCONS506 | $7.0M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $6.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $5.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $5.6M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $5.6M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $4.3M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $4.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 0 Pct Risk Weight Category | RCONG626 | $3.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $2.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.4M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.4M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $1.6M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $1.4M |
| Unconditionally Cancellable Commitments | RCONS540 | $1.2M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $572K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $309.7M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $299.8M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $299.8M |
| Other Comprehensive Income | RIADB511 | $3.1M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Encore Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.9M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $1.7M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $70K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $69K |
| Charge-offs on All Other Loans | RIAD4644 | $45K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $30K |
| Recoveries on All Other Loans | RIAD4628 | $27K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $3K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Encore Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $36.6M |
| Allowance for Loan and Lease Losses | RIAD3123 | $35.4M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.9M |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $1.8M |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $1.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$600K |
| Provisions for credit losses, Available-for-sale debt securities | RIADJH96 | $100K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (13 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $2.72B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $1.15B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $839.7M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $590.7M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $134.3M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $35.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $12.6M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $11.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $10.2M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $2.0M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $1.2M |
| Loans and Leases, Held for Investment, Unallocated, Allowance Balance | RCONJJ18 | -$452K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $30K |
Encore Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Encore Bank call report?
The Encore Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Encore Bank file?
Encore Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Encore Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Encore Bank has Federal Reserve RSSD ID 2594240 and FDIC certificate number 34562. Either one finds its filings on the FFIEC Central Data Repository.
How often does Encore Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Encore Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 34562) · FFIEC NIC profile (RSSD 2594240)