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Encore Bank

Little Rock, AR · Cert 34562 · Encore Bancshares Inc.

State charter, Fed member · FED · 18 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

22

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

5

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

2

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Encore Bank

Little Rock, AR · Cert 34562 · Encore Bancshares Inc.

State charter, Fed member · FED · 18 branches

Q2 2026

$3.7BAssets
$2.7BLoans
$3.4BDeposits
$309.7MEquity
Loan mix
78%RE $2.1B22%C&I $0.6B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $2.5B25%Noninterest $0.8BQ2 2025Q2 2026

NIM

5.37%Q2 ’245.09%Q2 ’254.90%Q2 ’26+32%+30%

Non-interest income vs. expense

1.98%Q2 ’242.23%Q2 ’252.53%Q2 ’26+18%+15%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 4.4% share · #8 of 42 inst. · $1.6B of $36.9B

5.6% Pulaski
0.2% Dallas
0.2% Tarrant
2.9% Craighead

Executive Summary

  • Earnings: ROA of 0.37%, up 25 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.17% of loans (+2 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 9.43%, up 45 bps from a year ago.
  • Funding: loans stand at 81.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+25 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+58 bps YoY

Efficiency Ratio (YTD, annualized)

85.16%-936 bps YoY

Tier 1 Leverage Ratio

9.43%+45 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.15%0.19%0.31%0.37%+25 bps
Return on Equity1.56%1.88%2.48%3.73%4.49%+292 bps
Net Interest Margin1.95%2.07%2.19%2.51%2.53%+58 bps
Efficiency Ratio94.53%92.43%89.16%87.96%85.16%-936 bps
Non-Interest Burden1.82%1.88%1.90%2.14%2.08%+27 bps
Growth
Asset Growth (YoY)-9.87%-7.27%-2.95%-3.15%3.38%+1,324 bps
Loan Growth (YoY)-11.46%-11.11%-11.02%-8.40%-6.87%+458 bps
Deposit Growth (YoY)4.93%5.62%10.81%10.44%8.02%+308 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.28%0.22%0.23%0.17%+2 bps
Net Charge-Offs / Loans0.37%0.28%0.28%0.00%0.14%-23 bps
Allowance / Loans1.33%1.37%1.34%1.36%1.30%-3 bps
Allowance Coverage of NPLs8.8x4.9x6.1x6.0x7.5x-1.3x
Capital
Tier 1 Leverage Ratio8.98%9.38%9.54%9.69%9.43%+45 bps
Total Risk-Based Capital12.10%12.71%13.02%12.95%13.08%+99 bps
Equity / Assets7.75%8.12%8.27%8.31%8.36%+62 bps
Liquidity & Funding
Loans / Deposits94.16%86.48%83.58%84.76%81.18%-1,298 bps
Liquid Assets / Assets1.91%4.97%7.82%6.25%8.83%+692 bps
CRE / Total Capitaln/a474%460%449%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Encore Bank

Little Rock, AR · Cert 34562 · Peer group: banks $1B-$10B in assets (n=322-328) · Encore Bancshares Inc.

State charter, Fed member · FED · 18 branches

Q2 2026

$3.7BAssets
$2.7BLoans
$3.4BDeposits
$309.7MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 80% of banks $1B-$10B in assets (rank 67 of 322).
  • Widest gap: efficiency ratio trails 98% of banks $1B-$10B in assets (rank 321 of 328).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.37%

Rank 315 of 328

Net Interest Margin

2.53%

Rank 309 of 328

Efficiency Ratio

85.16%

Rank 321 of 328

Equity / Assets

8.36%

Rank 296 of 328

Non-interest income vs. expense

$16.2M$91.6MINCOMEEXPENSE
Unfavorable gap of $75.4M · efficiency ratio beats 2% of banks $1B-$10B in assets
Bank 85.16%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.37%0.91%1.22%1.52%Beats 4%315 / 328
Return on Equity4.38%8.43%11.45%14.43%Beats 6%308 / 328
Net Interest Margin2.53%3.03%3.45%3.83%Beats 6%309 / 328
Efficiency Ratio85.16%51.61%59.56%67.53%Beats 2%321 / 328
Asset Quality
Nonperforming Loans / Loans0.17%0.24%0.51%1.03%Beats 80%67 / 322
Net Charge-Offs / Loans0.07%0.01%0.03%0.10%Beats 33%216 / 322
Capital
Tier 1 Capital Ratio11.83%11.75%13.15%15.47%Beats 26%242 / 328
Total Risk-Based Capital Ratio13.08%12.63%14.15%16.46%Beats 31%225 / 328
Equity / Assets8.36%9.15%10.33%12.01%Beats 10%296 / 328
Liquidity & Funding
Loans / Deposits81.18%76.63%87.92%95.36%34th pctl214 / 323
Loans / Assets73.45%65.18%74.15%79.98%47th pctl175 / 328
Brokered Deposits / Depositsn/aNot reported for this institution