Side-by-side · Q2 2026 data
The First National Bank of Fort Smith vs Encore Bank
Metric by metric
| Measure | The First National Bank of Fort Smith | Encore Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 61 |
| Capital cushion | 61 (stronger) | 44 |
| Loan quality | 85 | 94 (stronger) |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 60 (stronger) | 53 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 86th | 24th |
| Total assets | $2.3B | $3.7B |
| Deposits / shares | $2.0B | $3.4B |
| Capital ratio | 11.08% (stronger) | 9.43% |
| Problem loans | 0.44% | 0.17% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.13% |
| Return on assets | 2.04% (stronger) | 0.37% |
| Loans ÷ deposits | 77.4% (stronger) | 80.1% |
| Uninsured deposits | 35.6% (stronger) | 39.8% |
| Offices | 24 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 19.6% |
The First National Bank of Fort Smith has the higher TellerScore (78 vs 61). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fort Smith leads on 6 and Encore Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.