Encore Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos climbed 52.7% in Q2 2026, from $7.3M to $11.2M. It was the largest change from Q1 2026 among the key lines here. Within Arkansas, Encore Bank is 51st of 78 on loan-to-deposit ratio, 81.18% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Encore Bank sits 7.02 points lower, at 81.18% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | — |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $841.8M |
| Fed funds sold and reverse repos | $11.2M |
| Fed funds sold and reverse repos to assets | 0.30% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $15.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.42% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.18% |
| Net loans and leases to deposits | 80.12% |
| Loans and leases to core deposits | 83.12% |
| Core deposits to total deposits | 97.08% |
| Brokered deposits to total deposits | 0.58% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 100.48% | 69.11% | $0 | $784.9M |
| Q4 2023 | 115.03% | 73.87% | $28.1M | $784.9M |
| Q1 2024 | 110.03% | 73.03% | $0 | $639.4M |
| Q2 2024 | 111.60% | 77.08% | $5.6M | $692.4M |
| Q3 2024 | 102.77% | 76.13% | $0 | $444.4M |
| Q4 2024 | 104.09% | 79.20% | $0 | $459.4M |
| Q1 2025 | 102.19% | 82.76% | $0 | $447.4M |
| Q2 2025 | 94.16% | 88.05% | $1.5M | $158.5M |
| Q3 2025 | 86.48% | 85.71% | $0 | $22.5M |
| Q4 2025 | 83.58% | 86.89% | $0 | $22.5M |
| Q1 2026 | 84.76% | 94.19% | $0 | $22.5M |
| Q2 2026 | 81.18% | 97.08% | $0 | $15.5M |
Encore Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Encore Bank, freeSource: Call Report Schedules RC and RC-M, 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)