Little Rock, AR · Cert 34562 · Encore Bancshares Inc.
State charter, Fed member · FED · 18 branches
Q2 2026
Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 4.4% share · #8 of 42 inst. · $1.6B of $36.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.11% | 0.13% | 0.12% | 0.15% | 0.19% | 0.31% | 0.37% | +25 bps | |
| Return on Equity | 1.05% | 1.54% | 1.73% | 1.56% | 1.88% | 2.48% | 3.73% | 4.49% | +292 bps | |
| Net Interest Margin | 1.60% | 1.70% | 1.87% | 1.95% | 2.07% | 2.19% | 2.51% | 2.53% | +58 bps | |
| Efficiency Ratio | 97.42% | 95.03% | 94.35% | 94.53% | 92.43% | 89.16% | 87.96% | 85.16% | -936 bps | |
| Non-Interest Burden | 1.57% | 1.62% | 1.73% | 1.82% | 1.88% | 1.90% | 2.14% | 2.08% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.76% | -6.52% | -6.49% | -9.87% | -7.27% | -2.95% | -3.15% | 3.38% | +1,324 bps | |
| Loan Growth (YoY) | 0.74% | -6.44% | -9.29% | -11.46% | -11.11% | -11.02% | -8.40% | -6.87% | +458 bps | |
| Deposit Growth (YoY) | -1.50% | 3.39% | -2.33% | 4.93% | 5.62% | 10.81% | 10.44% | 8.02% | +308 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.23% | 0.13% | 0.15% | 0.28% | 0.22% | 0.23% | 0.17% | +2 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.10% | 0.34% | 0.37% | 0.28% | 0.28% | 0.00% | 0.14% | -23 bps | |
| Allowance / Loans | 1.42% | 1.40% | 1.36% | 1.33% | 1.37% | 1.34% | 1.36% | 1.30% | -3 bps | |
| Allowance Coverage of NPLs | 4.7x | 6.1x | 10.5x | 8.8x | 4.9x | 6.1x | 6.0x | 7.5x | -1.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.37% | 8.68% | 8.79% | 8.98% | 9.38% | 9.54% | 9.69% | 9.43% | +45 bps | |
| Total Risk-Based Capital | 11.21% | 11.52% | 11.73% | 12.10% | 12.71% | 13.02% | 12.95% | 13.08% | +99 bps | |
| Equity / Assets | 7.41% | 7.51% | 7.59% | 7.75% | 8.12% | 8.27% | 8.31% | 8.36% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.77% | 104.09% | 102.19% | 94.16% | 86.48% | 83.58% | 84.76% | 81.18% | -1,298 bps | |
| Liquid Assets / Assets | 2.39% | 1.39% | 1.54% | 1.91% | 4.97% | 7.82% | 6.25% | 8.83% | +692 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 474% | 460% | 449% | n/a | n/a | |