FDIC Cert #34562 · Little Rock, Arkansas · Est. 1997

ENCORE BANK - FDIC Bank Health Profile

A community-scale look at ENCORE BANK's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.6B
Total assets
C
Health grade · Fair
0.19%
Return on assets
11.8%
Tier 1 capital

Data updated July 2026

The verdict

ENCORE BANK earns a PlainBankData health grade of C (55/100), with well-capitalized at 11.81% Tier 1, 0.19% ROA, 89% efficiency ratio.

#362
largest of 4,313 FDIC banks by assets
92nd
percentile by asset size, nationally
11.81%
Tier 1 ratio - above the 10% well-capitalized line
8th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34562 · AR C · 55/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (55/100)
  • BOTTOM-DECILE #4003/4307
  • PHOTO-FINISH Galion Building and… · OH
  • TIER1-WELL 11.8% Tier 1
  • TEXAS-CLEAN 1.8% Texas
  • ROA-THIN 0.19% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Galion Building and Loan Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around ENCORE BANK

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100ENCORE BANK · AR · this bank55/100First Federal Saving… · KY ·…55/100Galion Building and… · OH · …55/100Grand Bank for Savin… · MS ·…55/100Haven Savings Bank · NJ · ne…55/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around ENCORE BANK · July 2026

What ENCORE BANK's Call Report plate shows

ENCORE BANK (FDIC Cert #34562) carries a PlainBankData health grade of C at 55/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,003 of 4,307. Tier 1 capital prints at 11.81%, clearing the 10% well-capitalized line. The Texas Ratio is 1.78%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.19%. Balance-sheet scale is $3.6B, 362nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Galion Building and Loan Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around ENCORE BANK

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

ENCORE BANK's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; ENCORE BANK remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

How ENCORE BANK's 55/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10055/100
ENCORE BANK's composite health score
Tier 1 Capital Ratio (11.81%) 28/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (1.78%) 20/20
Efficiency Ratio (89.16%) 0/15

55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.6B

Total balance-sheet footings

Total Deposits

$3.3B

Customer-funded liabilities

Net Loans

$2.7B

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.41% 11.81% 13.21%
Basel III capital ratios - ENCORE BANK

Where ENCORE BANK ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. ENCORE BANK's score of 55/100 falls in the highlighted band.

ENCORE BANK: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

55 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. ENCORE BANK 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

ENCORE BANK's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). ENCORE BANK's $3.6B falls in the highlighted band.

Safety ratios for ENCORE BANK

Tier 1 capital ratio
Well-capitalized 10%

11.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.81%
Texas Ratio
1.78%
Equity Capital
$300M

What these ratios mean →

Profitability metrics: ENCORE BANK

Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.48%
Efficiency Ratio
89.16%

What these mean →

Income & expense at ENCORE BANK

$186M
Interest Income
$16M
Non-Interest Income
$83M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. ENCORE BANK reports a Texas Ratio of 1.78% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.78% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View ENCORE BANK on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.6B here), outside Arkansas so the neighborhood is not state containment.

Parkway Bank and Trust Company $3.6B · IL Gulf Coast Bank and Trust Company $3.6B · LA Macatawa Bank $3.7B · MI Bank of Utah $3.6B · UT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) ENCORE BANK (FDIC Cert #34562) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

ENCORE BANK Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
Bank OZKLittle Rock $40.8B A 1.78%
Arvest BankFayetteville $27.8B C 0.49%
Simmons BankPine Bluff $24.5B C -1.40%
Centennial BankConway $22.7B A 2.14%
First Security BankSearcy $8.4B A 1.81%
First Community BankBatesville $3.4B B 1.09%
Farmers Bank & Trust CompanyMagnolia $3.1B B 1.36%
Southern Bancorp BankArkadelphia $2.8B B 0.81%