TellerScore

Encore Bank (FDIC certificate #34562) is based in Little Rock, Arkansas. Its Q2 2026 call report shows $3.7B in total assets and $3.4B in deposits and 17 offices across 7 states.

Based on its Q2 2026 filing, Encore Bank scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 58th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (35/100; 0.37%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.43%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings35/100
Return on assets (annualized): 0.37%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 80.1% · 39.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.36%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (57 → 61), mostly because the earnings component improved by 10 points.

TellerScore
515661Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202454
Q4 202456
Q1 202557
Q2 202557
Q3 202558
Q4 202561
Q1 202661
Q2 202661
Tier 1 leverage ratio
5.00%7.35%9.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.18%
Q3 20248.37%
Q4 20248.68%
Q1 20258.79%
Q2 20258.98%
Q3 20259.38%
Q4 20259.54%
Q1 20269.69%
Q2 20269.43%
Noncurrent loans
0.13%0.21%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.30%
Q4 20240.23%
Q1 20250.13%
Q2 20250.15%
Q3 20250.28%
Q4 20250.22%
Q1 20260.23%
Q2 20260.17%
Return on assets
0.01%0.19%0.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.07%
Q4 20240.11%
Q1 20250.13%
Q2 20250.12%
Q3 20250.15%
Q4 20250.19%
Q1 20260.31%
Q2 20260.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$3.7B9.43%0.17%0.37%80.1%
Q1 202661$3.6B9.69%0.23%0.31%83.6%
Q4 202561$3.6B9.54%0.22%0.19%82.5%
Q3 202558$3.6B9.38%0.28%0.15%85.3%
Q2 202557$3.6B8.98%0.15%0.12%92.9%
Q1 202557$3.7B8.79%0.13%0.13%100.8%
Q4 202456$3.7B8.68%0.23%0.11%102.6%
Q3 202454$3.9B8.37%0.30%0.07%101.3%
Q2 202451$4.0B8.18%0.28%0.01%110.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.43%
22nd
Total risk-based capital13.08%
42nd
Problem loans0.17%
80th
Net charge-offs0.13%
25th
Return on assets0.37%
6th
Net interest margin2.67%
7th
Efficiency ratio85.2%
3rd
Loans to deposits80.1%
67th
Uninsured deposits39.8%
27th
Loan-loss reserves1.30%
69th
Texas ratio1.4%
78th

Similar-size banks in Arkansas

InstitutionScoreAssetsCapitalProblem loansCompare
First Community BankBank Batesville, AR62 out of 100, Moderate$3.6B9.0%0.31%vs
Farmers Bank & Trust CompanyBank Magnolia, AR61 out of 100, Moderate$3.2B9.9%1.32%vs
Southern Bancorp BankBank Arkadelphia, AR61 out of 100, Moderate$3.0B11.9%1.42%vs
First National BankBank Paragould, AR71 out of 100, Strong$2.6B11.1%0.19%vs
The First National Bank of Fort SmithBank Fort Smith, AR78 out of 100, Strong$2.3B11.1%0.44%vs
First Financial BankBank El Dorado, AR50 out of 100, Below average$2.0B11.2%3.64%vs

Deposit insurance

Is my money safe at Encore Bank?

Yes. Encore Bank is an FDIC-insured institution (FDIC certificate #34562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 39.8% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.43%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.08% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

Encore Bank lists 16 offices in 15 cities across 7 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Encore Bank reported 862 home-loan applications under HMDA (LEI 5493000JFVFQFL816N45): 529 originated ($201,075,000 total), 131 denied, and 194 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Encore Bank
Former names
The Capital Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
34562
RSSD ID
2594240
Primary regulator
FED
Holding company
Encore Bancshares Inc
Established
September 8, 1997
Headquarters
1801 Rahling Rd, Little Rock, AR 72223
Employees
315

Quick answers

Encore Bank: common questions

Is Encore Bank FDIC insured?

Yes. Encore Bank is an FDIC-insured institution (FDIC certificate #34562). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Encore Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Encore Bank ever failed?

There is no failure record for FDIC certificate #34562 in the FDIC failed bank list.

How many branches does Encore Bank have?

17 offices as of the latest FDIC data, in 7 states.

Nearby

Highest-scoring banks and credit unions with branches near Little Rock

InstitutionScoreAssetsCapitalProblem loansCompare
Electric CooperativesCredit union Little Rock, AR94 out of 100, Very strong$18.6M15.2%0.08%vs
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Arkansas Health Center Federal Credit UnionCredit union Benton, AR91 out of 100, Very strong$9.8M16.9%0.38%vs
Producers Bank & TrustBank Mcgehee, AR90 out of 100, Very strong$213.2M22.1%0.00%vs
Peoples BankBank Sheridan, AR90 out of 100, Very strong$313.8M13.3%0.03%vs
Telcoe Federal Credit UnionCredit union Little Rock, AR89 out of 100, Very strong$503.4M20.2%0.12%vs