BlastPoint's Banking Scorecard

ENCORE BANK

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

Little Rock, AR

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

884 banks in the $1B-$10B peer group nationally 19 in 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 4.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 19.3% in tier
- Efficiency Drag: Bottom 64.9% in tier
- Return on Assets 1.06% below tier average
- Net Interest Margin 1.27% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$3.6B -3.1% YoY -1.0% QoQ	+$773.0M	$2.8B -0.1% YoY	$2.3B +2.8% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$2.7B -8.4% YoY +0.5% QoQ	+$742.7M	$2.0B +0.6% YoY	$1.7B +6.4% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$3.2B +10.4% YoY -0.9% QoQ	+$895.0M	$2.3B -0.3% YoY	$1.9B +3.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	0.31% +137.0% YoY +59.0% QoQ	-1.06%	1.37% +19.6% YoY	1.34% +14.2% YoY	1.23% +13.4% YoY	Bottom 5.8% in tier
Net Interest Margin ?	2.55% +27.5% YoY +13.6% QoQ	-1.27%	3.82% +6.9% YoY	4.08% +8.2% YoY	3.89% +5.7% YoY	Bottom 6.3% in tier
Efficiency Ratio ?	87.96% -6.8% YoY -1.3% QoQ	+26.90%	61.06% -4.6% YoY	61.77% -4.8% YoY	66.95% -4.1% YoY	Bottom 3.7% in tier
Delinquency Rate ?	0.23% +74.1% YoY +2.9% QoQ	-0.66%	0.89% +14.1% YoY	1.02% +24.4% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	83.61% -17.1% YoY +1.4% QoQ	-0.60%	84.20% +0.3% YoY	80.49% +1.3% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	19.83% +66.8% YoY +21.5% QoQ	-1.45%	21.29% -2.5% YoY	19.62% +0.8% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.18% +63.7% YoY -10.1% QoQ	-0.49%	0.67% +15.6% YoY	0.79% +32.8% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	11.70% +11.5% YoY -1.0% QoQ	-3.46%	15.16% +2.0% YoY	13.59% +0.0% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.12% +6.7% YoY -73.3% QoQ	-0.14%	0.26% +1.6% YoY	0.18% -3.1% YoY	0.32% +4.1% YoY	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#11 of 220 • Top 4.5% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 0.95%)

better than tier avg

220 of 220 Mid-Market banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#100 of 513 • Bottom 19.3% in tier

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

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Efficiency Drag

risk

#49 of 74 • Bottom 64.9% in tier

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

Why this signature

Efficiency Ratio: 87.96%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

181

Total Deposits

size

Value: $3.24B

Peer Median: $2.34B

#181 of 884 Top 20.4% in $1B-$10B

183

Total Loans

size

Value: $2.71B

Peer Median: $1.96B

#183 of 884 Top 20.6% in $1B-$10B

202

Total Assets

size

Value: $3.59B

Peer Median: $2.82B

#202 of 884 Top 22.7% in $1B-$10B

214

Delinquency Rate

credit_quality

Value: 0.23%

Peer Median: 0.89%

#214 of 880 Top 24.2% in $1B-$10B

216

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#216 of 884 Top 24.3% in $1B-$10B

Top Weaknesses (3 metrics)

852

Efficiency Ratio

profitability

Value: 87.96%

Peer Median: 61.06%

#852 of 884 Bottom 3.7% in $1B-$10B

834

Return on Assets

profitability

Value: 0.31%

Peer Median: 1.37%

#834 of 884 Bottom 5.8% in $1B-$10B

829

Net Interest Margin

profitability

Value: 2.55%

Peer Median: 3.82%

#829 of 884 Bottom 6.3% in $1B-$10B