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
Unfavorable gap of $75.4M · efficiency ratio beats 2% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.91% | 1.22% | 1.52% | Beats 4% | 315 / 328 | | |
| Return on Equity | 4.38% | 8.43% | 11.45% | 14.43% | Beats 6% | 308 / 328 | | |
| Net Interest Margin | 2.53% | 3.03% | 3.45% | 3.83% | Beats 6% | 309 / 328 | | |
| Efficiency Ratio | 85.16% | 51.61% | 59.56% | 67.53% | Beats 2% | 321 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.24% | 0.51% | 1.03% | Beats 80% | 67 / 322 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 33% | 216 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 11.83% | 11.75% | 13.15% | 15.47% | Beats 26% | 242 / 328 | | |
| Total Risk-Based Capital Ratio | 13.08% | 12.63% | 14.15% | 16.46% | Beats 31% | 225 / 328 | | |
| Equity / Assets | 8.36% | 9.15% | 10.33% | 12.01% | Beats 10% | 296 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.18% | 76.63% | 87.92% | 95.36% | 34th pctl | 214 / 323 | | |
| Loans / Assets | 73.45% | 65.18% | 74.15% | 79.98% | 47th pctl | 175 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |