Encore Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Encore Bank is a community bank chartered in 1997, based in Little Rock, AR, during the post-Riegle-Neal interstate-banking era. As of Q2 2026, the bank held approximately $3.7B in total assets and $3.4B in deposits. Profitability runs below industry average: 0.44% ROA, 5.26% ROE, with NIM at 2.83%. Capital cushions are healthy: 11.83% CET1, 9.43% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.15%. Encore operates a 17-branch network.
As of June 30, 2026, Encore Bank reported a CET1 capital ratio of 11.83%, a return on assets of 0.44%, a nonperforming-loan ratio of 0.15%, a Texas ratio of 1.36%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 1801 Rahling Rd, Little Rock, AR 72223
- County
- Pulaski
- Metro Area
- Little Rock-North Little Rock-Conway, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 8, 1997
- Offices
- 17 domestic
- Employees (FTE)
- 315
- Domestic deposits
- $3.35B
- Allowance for credit losses
- $35.4M
- Net charge-offs (YTD)
- $1.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 8, 1997
- FDIC Cert
- 34562
- Fed RSSD
- 2594240
- SEC CIK
- 1768696 → filed by ENCORE BANCSHARES, INC
- Website
- www.bankencore.com →
- Parent Holding Company
- ENCORE BANCSHARES, INC (RSSD 2777016)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Encore Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Encore Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Encore Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.83% | 0.44% | 0.15% | 1.36% | 2.83% |
| Q1 2026 | 11.70% | 0.32% | 0.22% | 1.84% | 2.67% |
| Q4 2025 | 11.81% | 0.35% | 0.21% | 1.78% | 2.72% |
| Q3 2025 | 11.47% | 0.20% | 0.28% | 2.36% | 2.30% |
| Q2 2025 | 10.90% | 0.10% | 0.15% | 1.39% | 2.10% |
| Q1 2025 | 10.49% | 0.13% | 0.13% | 1.20% | 1.96% |
| Q4 2024 | 10.36% | 0.22% | 0.20% | 2.17% | 2.00% |
| Q3 2024 | 10.02% | 0.21% | 0.30% | 2.86% | 1.94% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Encore Bank (main office) | Little Rock , AR | 72223 | $1.51B |
| Encore Bank - Dallas Branch | Dallas , TX | 75225 | $678.5M |
| Encore Bank - Fort Worth Branch | Fort Worth , TX | 76107 | $163.0M |
| Jonesboro Branch | Jonesboro , AR | 72401 | $122.7M |
| Encore Bank - Denver Branch | Denver , CO | 80237 | $115.6M |
| Heights Branch | Little Rock , AR | 72207 | $110.6M |
| Encore Bank - Plano Branch | Plano , TX | 75024 | $85.1M |
| Encore Bank - Austin Branch | Austin , TX | 78701 | $83.9M |
| Encore Bank - Fayetteville Branch | Fayetteville , AR | 72701 | $81.8M |
| Encore Bank - Tampa Branch | Tampa , FL | 33607 | $74.1M |
| Encore Bank - San Antonio Branch | San Antonio , TX | 78215 | $71.4M |
| Encore Bank - Springfield Branch | Springfield , MO | 65804 | $58.9M |
| Charleston Branch | Charleston , SC | 29405 | $56.7M |
| Rogers Branch | Rogers , AR | 72758 | $35.7M |
| Encore Bank - Charlotte Branch | Charlotte , NC | 28211 | $35.4M |
| Encore Bank - Boulder Branch | Boulder , CO | 80302 | $28.1M |
| Encore Bank - Winston-Salem Branch | Winston-Salem , NC | 27101 | $27.8M |
| Encore Bank - Greenville Branch | Greenville , SC | 29601 | $15.1M |
Regulatory record
What the public regulatory sources show for Encore Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.7% of deposits in AR, rank 11 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 863 applications, 529 loans originated, $201.1M originated, across 31 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Encore Bank
What are Encore Bank's total assets?
As of the Q2 2026 filing, Encore Bank reported total assets of $3.70 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Encore Bank headquartered?
Encore Bank is headquartered in Little Rock, AR, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Encore Bank founded?
Encore Bank was established in 1997, per the FDIC institution directory.
Is Encore Bank FDIC-insured?
Yes. Encore Bank is an FDIC-insured commercial bank (FDIC Certificate #34562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Encore Bank?
Encore Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Encore Bank's CET1 capital ratio?
Encore Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.83% in its Q2 2026 call report, above regulatory requirements.
How many branches does Encore Bank operate?
Encore Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Encore Bank's Texas Ratio?
Encore Bank's Texas Ratio is 1.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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