# ENCORE BANK
LITTLE ROCK, AR · FDIC certificate 34562 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.70B | |
| Deposits | $3.35B | |
| Loans and leases | $2.72B | |
| Total equity | $309.7M | |
| Loans / deposits | 80.12% (p33 of band) | 87.10% |
| Liquid assets / assets | 22.73% (p57 of band) | |
| Uninsured deposits / deposits | 39.81% (p73 of band) | 30.76% |
| Brokered deposits | 0.53% | |
| Wholesale funding | 0.94% (p22 of band) | |
| FHLB advances / assets | 0.42% | |
| Tier 1 leverage | 9.43% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -18.60% (p22 of band) | -7.75% |
| AOCI / equity | 1.00% (p96 of band) | |
| ROA (annualized) | 0.37% (p6 of band) | 1.26% |
| Net interest margin | 2.67% (p7 of band) | 3.70% |
| Efficiency ratio | 85.16% (p97 of band) | |
| Noncurrent loans | 0.17% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p76 of band) | |
| Reserve coverage of noncurrent | 752.69% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 43.23% (p45 of band) | |
| Auto loans | $27,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.0% | |
| Employees | 315 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 4 | deposits shrinking, assets shrinking |  |
| 2013-03 | 2 |  | deposits shrinking, assets shrinking |
| 2013-06 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, reserve under noncurrent, deposits shrinking |  |
| 2013-09 | 8 | noncurrent p90 |  |
| 2013-12 | 7 |  | losing money |
| 2014-03 | 7 | NIM <2.5% | AOCI drag >20% of equity |
| 2014-06 | 2 |  | securities losses >30% of equity, reserve under noncurrent, deposits shrinking, noncurrent p90, NIM <2.5% |
| 2014-09 | 6 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2014-12 | 6 | capital falling, NIM <2.5% | noncurrent p90, reserve under noncurrent |
| 2015-03 | 3 |  | losing money, charge-offs p90, capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 4 | assets shrinking |  |
| 2015-12 | 3 |  | NIM <2.5% |
| 2016-03 | 4 | deposits shrinking |  |
| 2016-06 | 3 |  | deposits shrinking |
| 2016-09 | 2 |  | assets shrinking |
| 2016-12 | 4 | capital falling, deposits shrinking |  |
| 2017-03 | 4 | NIM <2.5% | deposits shrinking |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 5 | losing money |  |
| 2018-03 | 4 | securities losses >30% of equity | capital falling, losing money |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 3 |  | securities losses >30% of equity |
| 2019-03 | 5 | losing money, expense ratio p90 |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | loans exceed deposits |  |
| 2019-12 | 6 |  |  |
| 2020-03 | 4 | capital falling | NIM <2.5%, losing money, expense ratio p90 |
| 2020-06 | 3 |  | loans exceed deposits |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 | expense ratio p90 | capital falling |
| 2021-03 | 4 | uninsured deposits >50% |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | run vulnerability |  |
| 2021-12 | 4 |  | run vulnerability |
| 2022-03 | 4 | losing money | uninsured deposits >50% |
| 2022-06 | 10 | loans exceed deposits, capital falling, AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity, uninsured deposits leaving |  |
| 2022-09 | 8 |  | capital falling, construction >100% equity |
| 2022-12 | 5 |  | loans exceed deposits, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 5 | capital falling, NIM <2.5% | losing money, uninsured deposits leaving |
| 2023-06 | 6 | loans exceed deposits |  |
| 2023-09 | 6 | securities losses >30% of equity | loans exceed deposits |
| 2023-12 | 7 | loans exceed deposits, losing money | securities losses >30% of equity |
| 2024-03 | 6 |  | capital falling |
| 2024-06 | 5 |  | losing money |
| 2024-09 | 6 | assets shrinking |  |
| 2024-12 | 6 |  |  |
| 2025-03 | 6 | charge-offs p90 | brokered >10% |
| 2025-06 | 3 |  | wholesale funding >15%, loans exceed deposits, charge-offs p90 |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | assets shrinking |
| 2026-03 | 1 |  | NIM <2.5% |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-22 [Kris Wolf Named Jonesboro Market President for Encore Bank - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5WNkNwMFJ1bEk2R1NobUllYlhfYkNmVXRUVmd2U1hSeG0xZGxoVkdrbDBzOS1KT21CMUJqbGR0XzJGNkdIQlhpQTJwQlBCNkJDVVprX3BnNVhUdldHVGZ0a1ZLVQ?oc=5) · Arkansas Money &amp; Politics
- 2026-06-17 [Encore Bank Sells Two Branches to Former Arkansas Banker - Arkansas Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxQZ2JYdFJjQzRaUi15MTVQU3FwMmdaNTR4OHd2MXFvODJZWFVScXU0Y0hVQTZpdHk1aEE5Z2l6ODJOZ19yUUF5WWRzSi1wTjc2UXp2SzcyRzFlclNReUo0LVlXaHpDV18yTEVGc3ZhQV9NNnZlanB3ZmZJd3MyRjdyLVdRUEhfc1dDY01vb2VlNzBfbWFNcC11dWhhYXdUSnhNM1gwWWN3?oc=5) · Arkansas Business
- 2026-01-15 [Kris Wolf promoted by Encore Bank market president in Jonesboro - Talk Business & Politics](https://news.google.com/rss/articles/CBMingFBVV95cUxPcjNKUHVZUlFIcEU4XzB6eFNqLWg4a3JRaTZiZ3JrZ0VCc2JrV1VMRTNlTHJVZEhzS2oxLWtPTHVmZzJXS212cnByUlI4NDNqeHhKUzdaVkJOdUpyU1BYYlJzcG5FQ2hiRDM5R2l3LXB2UjktT05uZ2Z3anBZWFNXSzhzUkQzSjFNd1FjYXMyc0NBN2VVVUpodnFaNENCQQ?oc=5) · Talk Business &amp; Politics
- 2026-04-09 [Encore Bank Launches Encore Embedded Finance for Commercial Clients - Business Wire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOWFJNM0hJVGdTRFZ5VnJCb0R6X2w1VTNMc2JEWlgxY01PekpNR20tM1IwSjUzbWRROW8zSzMyWkVxSUl6b0N3OXZiZ0JLcmNNV0VsajgwMzd3TU9Kdk9UajdMRjF1Q0R4V0VoSW1QNVE5MkFwcFlpSWliOVJnVkR0SE8zZVVObGFfR01KN2NvZTBKaU5sWjZOck5sdEVuQS1XS1RXN0YyVTY3VXNObzdoX0JjLUplUTJMSDI3bks1ZndMUQ?oc=5) · Business Wire
- 2026-07-06 [Encore Bank Stays Committed to Carolinas Despite Selling Branches - Arkansas Business](https://news.google.com/rss/articles/CBMiswFBVV95cUxQRHBPaFR4TWRKcUtLZDhSQXZES1lQd2prVTVvcGFiWDJ6UU9KcmpMVmZSSV80MGNQS2JfdDBNbXdOb1BYQVhod1Zaa05JRWFlLWltVnZlMFQ5TW9jY2dBeW1Gbk1jbUh6ZURCZGQ1ZEg4TzZnMDR6WURZZnlINmNaM0hZVGVRQ2Vfc3lSSFo0Y3ZMcXFMVEhuUnhvMXk0bjBmem9ZdnlyWGlLbDI2NktkRTdZbw?oc=5) · Arkansas Business
- 2024-05-21 [Arkansas-based bank enters Colorado market with two branches - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOTFhBTF9vbEllclU2V1FrUmhoeDlTUGY2aDVGUTZELVdySzFWckY3UmFtTVhXdzVDTG1iaG1vRGFhUWVic2xPNXZScV9nTXlSNjFuRnlERXRFQXdOQ0IwNzFRTV9zRGpRQm1Zbzl0M01td2hiakhCNnlRb09IQmNXam9ENGlhYWtRQmhoRENlMmtaSVFaLVE?oc=5) · The Business Journals
- 2022-03-25 [Arkansas-based Encore Bank expands into Greenville - upstate business journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQeW9qeDZBVHgydFcwazBuQnc1RWZZODhJS3I5M1prSVpuQldVbVJSeWJ5QllJMmJ1Y3NmQldqNXVYT3lvWFVsZWx4blJrM29FQ1l3Z2p0NjA3NEVMNnZoUkZtSlQ0ZE1kSmZPUWJ1cHRlY3NfWWF3RmtqRGc3bDRfYlhBVXlsaG1vOHNUR0UxZ2dsLW9GU085aU9B?oc=5) · upstate business journal
- 2026-07-13 [Encore Bank, Washington Regional, Rose Law Firm Announce New Hires (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMivgFBVV95cUxNNTFQbU1oRC14Z3ZKdzZ5M1J3X3ZNb3FVRzRWTXhvaFFBM2ZWOWRNbXllaXJPc1hmYk1YQS1sYk9NZ1hPMFI4LUhxbHRnZmhPaXBxLWFhSWk3YXBoUHlrMUtWdlZrS3Z6dXVDSVJoVGFIbDY5VGpacnRDa19ESmRtTEVRRXdCZ3NKUlc1cmpRa0xRY1BBc1FmMEFwRmRzc3ljbDhfbktfaXQ4VnJnY1JqYVY2OHlYbWhDeEcyLTNR?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34562 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "34562", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide