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Encore Bank
Little Rock, AR · FDIC Certificate #34562 · Chartered 09/0
Total assets
$3.70B
Total deposits
$3.35B
Total equity
$309.67M
Net loans
$2.68B
Branches (offices)
18
Net income (YTD)
$6.79M
Rank: #352 of 4,213 U.S. banks by assets · #6 of 78 in Arkansas. Assets changed 3.4% and deposits 8.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.37% |
| Return on equity | 4.49% |
| Net interest margin (YTD) | 2.67% |
| Equity to assets | 8.36% |
| Tier 1 leverage ratio | 9.43% |
| Uninsured deposits (share of deposits) | 39.8% |
| Noncurrent loans (share of loans) | 0.17% |
| Net charge-offs (share of loans) | 0.13% |
| Loans to deposits | 80.1% |
| Real estate loans (share of loans) | 79.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.12B | 79.1% | |
| Commercial & industrial | $586.08M | 21.8% | |
| Consumer / individual | $1.72M | 0.1% | |
| Construction & development | $133.87M | 5.0% | |
| Agricultural | $3.69M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.43B | $1.94B | -$2.08M | $173.11M |
| Jun 2023 | $4.03B | $2.71B | $3.11M | $275.76M |
| Jun 2024 | $3.97B | $2.96B | $166.00K | $279.93M |
| Jun 2025 | $3.58B | $3.10B | $2.19M | $277.50M |
| Jun 2026 | $3.70B | $3.35B | $6.79M | $309.67M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Arkansas | $1.86B | 5 |
| Texas | $1.08B | 5 |
| Colorado | $143.71M | 2 |
| Florida | $74.06M | - |
| South Carolina | $71.84M | 2 |
| North Carolina | $63.14M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.35B.
Similar-sized banks
Bank Of The Sierra ($3.72B) · D. L. Evans Bank ($3.70B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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