Encore Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Encore Bank of Little Rock, AR against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.44% | 1.46% | -1.02% | 8th bottom |
| ROAE | 5.26% | 12.73% | -7.47% | 11th bottom |
| Net Interest Margin | 2.83% | 3.85% | -1.02% | 10th bottom |
| Efficiency Ratio | 80.90% | 57.37% | +23.53% | 6th bottom |
| PPNR / Avg Assets | 0.54% | 1.88% | -1.34% | 5th bottom |
| Yield on Earning Assets | 5.30% | 5.72% | -0.42% | 35th below |
| Cost of Funds | 2.60% | 2.02% | +0.58% | 19th bottom |
| Net Interest Spread | 1.98% | 3.18% | -1.20% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 1.00% | -0.85% | 85th top |
| NPA / Total Assets | 0.11% | 0.76% | -0.65% | 85th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.27% | 0.43% | -0.16% | 15th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.31% | -0.01% | 69th above |
| ACL / NPLs (Coverage) | 878.30% | 542.86% | +335.44% | 89th top |
| Texas Ratio | 1.36% | 7.40% | -6.04% | 84th top |
| Provision / NCO | 32.57% | 619.60% | -587.03% | 16th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.83% | 17.35% | -5.52% | 21st bottom |
| Tier 1 Ratio | 11.83% | 17.38% | -5.55% | 21st bottom |
| Total Capital Ratio | 13.08% | 18.43% | -5.35% | 24th bottom |
| Leverage Ratio | 9.43% | 11.44% | -2.01% | 21st bottom |
| Equity / Assets | 8.36% | 11.34% | -2.98% | 11th bottom |
| TCE / Tangible Assets | 8.36% | 10.50% | -2.14% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.18% | 86.96% | -5.78% | 67th above |
| Core Deposit Ratio | 97.08% | 85.54% | +11.54% | 94th top |
| Uninsured Deposit Ratio | 39.81% | 33.11% | +6.70% | 27th below |
| Wholesale Funding Ratio | 0.42% | 5.71% | -5.29% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.38% | 9.69% | -6.31% | 37th below |
| Loan Growth (Y/Y) | -6.87% | 8.08% | -14.95% | 4th bottom |
| Deposit Growth (Y/Y) | 8.02% | 7.87% | +0.15% | 67th above |
See Encore Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Encore Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Encore Bank profile, how to read a UBPR, or how this data updates.