Encore Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 5.07 percentage points in Q2 2026, from 30.59% to 35.66%. It was the largest change from Q1 2026 among the key lines here. Encore Bank ranks 51st of 78 Arkansas banks on loan-to-deposit ratio, in the lower half at 81.18% (Q2 2026). Encore Bank reported 81.18% on loan-to-deposit ratio for Q2 2026, 7.02 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.72B |
| Net loans and leases | $2.68B |
| Loans held for sale | $9.2M |
| Loans to total assets | 73.45% |
| Loan-to-deposit ratio | 81.18% |
| Net loans to equity capital | 8.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.28% |
| Multifamily (5+ residential) | 8.50% |
| Commercial and industrial | 21.56% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 294.48% |
| Construction concentration (Tier 1 capital + allowance) | 35.66% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.80% |
| Interest income on loans | $39.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.12B | $3.11B | 42.98% | 17.27% | 0.23% |
| Q4 2023 | $3.28B | $2.85B | 40.86% | 18.69% | 0.21% |
| Q1 2024 | $3.30B | $3.00B | 41.30% | 19.14% | 0.22% |
| Q2 2024 | $3.30B | $2.96B | 42.47% | 19.37% | 0.19% |
| Q3 2024 | $3.15B | $3.06B | 45.42% | 18.24% | 0.20% |
| Q4 2024 | $3.07B | $2.95B | 44.20% | 18.05% | 0.18% |
| Q1 2025 | $3.00B | $2.93B | 43.42% | 18.19% | 0.18% |
| Q2 2025 | $2.92B | $3.10B | 43.53% | 18.23% | 0.18% |
| Q3 2025 | $2.80B | $3.23B | 42.60% | 18.51% | 0.10% |
| Q4 2025 | $2.73B | $3.27B | 43.23% | 19.65% | 0.09% |
| Q1 2026 | $2.74B | $3.24B | 41.72% | 22.16% | 0.08% |
| Q2 2026 | $2.72B | $3.35B | 42.28% | 21.56% | 0.06% |
Encore Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Encore Bank, freeSource: Call Report Schedule RC-C, 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)