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ENCORE BANK

$1B-$10B Specialty: Commercial AR FDIC cert 34562

Little Rock, AR

19 branches across AR · TX · CO · NC · SC · FL · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +8.0% year over year ($3.4B on the books).
  • Delinquency rate 0.18%.
  • Return on assets 0.37%.
  • Efficiency ratio 85.16% vs a 59.73% peer average.
  • Loan-to-deposit ratio 80.12% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

ENCORE BANK has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 19.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 7.7% in tier
  • - Efficiency Drag: Bottom 75.0% in tier
  • - Return on Assets 1.02% below tier average
  • - Net Interest Margin 1.20% below tier average
Get updates when ENCORE BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $3.7B
+3.4% YoY +3.2% QoQ
+$909.5M $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
79%
Total Loans ? $2.7B
-6.8% YoY -0.9% QoQ
+$721.1M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $3.4B
+8.0% YoY +3.5% QoQ
+$1.0B $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 0.37%
+213.7% YoY +20.6% QoQ
-1.02% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
Bottom 4.7% in tier
Net Interest Margin ? 2.67%
+28.1% YoY +4.5% QoQ
-1.20% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
Bottom 6.4% in tier
Efficiency Ratio ? 85.16%
-9.9% YoY -3.2% QoQ
+25.44% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 3.2% in tier
Delinquency Rate ? 0.18%
+14.7% YoY -23.3% QoQ
-0.69% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
80%
Loan-to-Deposit Ratio ? 80.12%
-13.8% YoY -4.2% QoQ
-4.91% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 24.74%
+90.6% YoY +24.7% QoQ
+3.47% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
70%
Nonperforming Asset Ratio ? 0.14%
+5.1% YoY -25.2% QoQ
-0.54% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 11.83%
+8.6% YoY +1.2% QoQ
-3.01% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.22%
+2.1% YoY +89.4% QoQ
-0.31% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Noninterest-Bearing 24.7%
+11.8pp YoY
+4.9pp QoQ
 +3.4pp 21.4% 19.6% 22.2% 70%
Brokered Deposits 0.6%
-7.2pp YoY
-1.7pp QoQ
 -8.9pp 9.5% 7.2% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 21.8%
+3.4pp YoY
-0.6pp QoQ
 +7.8pp 14.0% 12.7% 12.5% 84%
CRE 56.4%
-1.3pp YoY
+0.7pp QoQ
 +6.4pp 50.0% 41.0% 41.4% 68%
1-4 Family 22.3%
-1.6pp YoY
-0.2pp QoQ
 -4.1pp 26.4% 28.1% 31.3% 48%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.6pp 4.7% 4.5% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.9pp YoY
+0.1pp QoQ
 -3.8pp 15.6% 15.1% 19.7% 20%
Leverage Ratio 9.4%
+0.5pp YoY
-0.3pp QoQ
 -1.9pp 11.3% 11.9% 12.6% 21%
Total Capital Ratio 13.1%
+1.0pp YoY
+0.1pp QoQ
 -3.6pp 16.7% 16.3% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 315
+1 (+0.3%) YoY
-7 (-2.2%) QoQ
 +1 313 315 482 68%
Assets per Employee ($) $11.8M
+3.0% YoY
+5.5% QoQ
 +$1.3M $10.5M $6.7M $8.8M 76%
Branch Count 19
0 YoY
0 QoQ
 -1 20 25 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.1% 0.4% 46%
Nonaccrual 0.2%
0.0pp YoY
-0.1pp QoQ
 -0.7pp 0.8% 1.1% 1.0% 18%
Allowance Coverage 7.53x
-14.8% YoY
+25.0% QoQ
 -11.18x 18.71x 4.69x 20.23x 84%
Net Charge-off Rate (YTD) 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 4.5%
+2.9pp YoY
+0.8pp QoQ
 -8.1pp 12.6% 12.3% 11.6% 7%
Cost of Funds (YTD) 2.5%
-0.9pp YoY
0.0pp QoQ
 +0.6pp 1.9% 2.0% 1.7% 85%
Net Income ($, YTD) $6.8M
+210.7% YoY
— QoQ
 -$12.5M $19.2M $16.0M $40.4M 21%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#44 of 221 • Top 19.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk
#39 of 492 • Bottom 7.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.18%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#46 of 60 • Bottom 75.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 85.16%
(Tier: 59.73%, National: 70.05%)
worse than tier avg
60 of 60 Mid-Market banks match · 426 nationally
↓ Shrinking -64 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

173
Delinquency Rate
credit_quality
Value: 0.18%
Peer Median: 0.87%
#173 of 882 Top 19.5% in $1B-$10B
174
Nonperforming Asset Ratio
credit_quality
Value: 0.14%
Peer Median: 0.67%
#174 of 885 Top 19.5% in $1B-$10B
176
Total Deposits
size
Value: $3.35B
Peer Median: $2.32B
#176 of 885 Top 19.8% in $1B-$10B
189
Total Loans
size
Value: $2.68B
Peer Median: $1.96B
#189 of 885 Top 21.2% in $1B-$10B
191
Total Assets
size
Value: $3.70B
Peer Median: $2.79B
#191 of 885 Top 21.5% in $1B-$10B

Top Weaknesses (3 metrics)

858
Efficiency Ratio
profitability
Value: 85.16%
Peer Median: 59.73%
#858 of 885 Bottom 3.2% in $1B-$10B
844
Return on Assets
profitability
Value: 0.37%
Peer Median: 1.39%
#844 of 885 Bottom 4.7% in $1B-$10B
829
Net Interest Margin
profitability
Value: 2.67%
Peer Median: 3.87%
#829 of 885 Bottom 6.4% in $1B-$10B
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