Encore Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 269.43 percentage points higher than in Q1 2026, at 878.30%. Encore Bank has the 6th lowest return on assets of the 78 banks headquartered in Arkansas, at 0.44% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Encore Bank reported 0.44% on return on assets in Q2 2026, 0.83 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.83% |
| Tier 1 risk-based capital ratio | 11.83% |
| Total risk-based capital ratio | 13.08% |
| Tier 1 leverage ratio | 9.43% |
| Equity capital to assets | 8.36% |
| Tangible equity to tangible assets | 8.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.27% |
| Texas ratio | 1.36% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 878.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.44% |
| Return on equity | 5.26% |
| Net interest margin | 2.83% |
| Efficiency ratio | 80.90% |
| Yield on earning assets | 5.30% |
| Cost of funds | 2.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.18% |
| Core deposits to total deposits | 97.08% |
| Brokered deposits to total deposits | 0.58% |
| Deposits to assets | 90.48% |
| Securities to assets | 12.27% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.03% | -0.12% |
| Q4 2023 | 9.21% | 9.21% | 10.24% | 7.86% | -0.75% |
| Q1 2024 | 9.19% | 9.19% | 10.31% | 8.09% | -0.17% |
| Q2 2024 | 9.34% | 9.34% | 10.46% | 8.18% | 0.18% |
| Q3 2024 | 10.02% | 10.02% | 11.21% | 8.37% | 0.21% |
| Q4 2024 | 10.36% | 10.36% | 11.52% | 8.68% | 0.22% |
| Q1 2025 | 10.49% | 10.49% | 11.73% | 8.79% | 0.13% |
| Q2 2025 | 10.90% | 10.90% | 12.10% | 8.98% | 0.10% |
| Q3 2025 | 11.47% | 11.47% | 12.71% | 9.38% | 0.20% |
| Q4 2025 | 11.81% | 11.81% | 13.02% | 9.54% | 0.35% |
| Q1 2026 | 11.70% | 11.70% | 12.95% | 9.69% | 0.32% |
| Q2 2026 | 11.83% | 11.83% | 13.08% | 9.43% | 0.44% |
Encore Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Encore Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)