Encore Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 58.0% higher than in Q1 2026, at -$2.9M. Within Arkansas, Encore Bank is 27th of 37 on CET1 ratio, 11.83% as of Q2 2026, below the middle of the field. Encore Bank reported 11.83% on CET1 ratio for Q2 2026, 1.64 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.43% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $340.0M |
| Tier 1 capital | $340.0M |
| Total risk-based capital | $376.0M |
| Total equity capital | $309.7M |
| Risk-weighted assets | $2.87B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.36% |
| Tangible equity to tangible assets | 8.36% |
| Equity capital to average assets | 8.56% |
| Internal capital growth rate | 5.36% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $320K |
| Common stock surplus | $355.8M |
| Retained earnings | -$2.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$43.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.03% | — |
| Q4 2023 | 9.21% | 9.21% | 10.24% | 7.86% | $3.58B |
| Q1 2024 | 9.19% | 9.19% | 10.31% | 8.09% | $3.55B |
| Q2 2024 | 9.34% | 9.34% | 10.46% | 8.18% | $3.52B |
| Q3 2024 | 10.02% | 10.02% | 11.21% | 8.37% | $3.31B |
| Q4 2024 | 10.36% | 10.36% | 11.52% | 8.68% | $3.22B |
| Q1 2025 | 10.49% | 10.49% | 11.73% | 8.79% | $3.15B |
| Q2 2025 | 10.90% | 10.90% | 12.10% | 8.98% | $3.04B |
| Q3 2025 | 11.47% | 11.47% | 12.71% | 9.38% | $2.90B |
| Q4 2025 | 11.81% | 11.81% | 13.02% | 9.54% | $2.84B |
| Q1 2026 | 11.70% | 11.70% | 12.95% | 9.69% | $2.87B |
| Q2 2026 | 11.83% | 11.83% | 13.08% | 9.43% | $2.87B |
Encore Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Encore Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Encore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34562) · FFIEC NIC profile (RSSD 2594240)