Encore Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of borrowings, which fell 0.34 percentage points to 1.09%. Encore Bank has the 1st lowest net interest margin of the 78 banks headquartered in Arkansas, at 2.83% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Encore Bank sits 0.88 points lower, at 2.83% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.30% |
| Yield on loans | 5.80% |
| Yield on securities | 3.71% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.60% |
| Cost of interest-bearing deposits | 3.34% |
| Cost of interest-bearing liabilities | 3.32% |
| Cost of borrowings | 1.09% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.83% |
| Yield to cost spread | 1.98% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $39.6M |
| Total interest expense | $21.4M |
| Interest expense on deposits | $21.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.03% | 4.08% | 1.20% | 5.43% | 3.93% |
| Q4 2023 | 5.12% | 4.24% | 1.13% | 5.59% | 3.46% |
| Q1 2024 | 5.30% | 4.19% | 1.37% | 5.66% | 3.56% |
| Q2 2024 | 5.60% | 4.20% | 1.67% | 5.71% | 3.48% |
| Q3 2024 | 5.86% | 4.23% | 1.94% | 5.87% | 4.10% |
| Q4 2024 | 5.56% | 3.83% | 2.00% | 5.83% | 3.78% |
| Q1 2025 | 5.25% | 3.52% | 1.96% | 5.67% | 3.27% |
| Q2 2025 | 5.27% | 3.41% | 2.10% | 5.70% | 3.09% |
| Q3 2025 | 5.40% | 3.32% | 2.30% | 5.75% | 3.57% |
| Q4 2025 | 5.51% | 3.00% | 2.72% | 5.82% | 4.08% |
| Q1 2026 | 5.25% | 2.72% | 2.67% | 5.67% | 3.76% |
| Q2 2026 | 5.30% | 2.60% | 2.83% | 5.80% | 3.71% |
Encore Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Encore Bank, freeSource: Call Report Schedules RI and RC-K, 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)