Total Assets
$3.6B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$3.3B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.48%
Efficiency Ratio
89.16%
What the numbers say about ENCORE BANK
ENCORE BANK is an FDIC-insured institution (Certificate #34562) headquartered in Little Rock, Arkansas, established in 1997. It holds $3.6B in total assets - 362nd of 4,313 FDIC-insured banks, $3.3B in customer deposits, and $2.7B in net loans. Its capital position: a Tier 1 ratio of 11.81%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.78% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, ENCORE BANK sits in the top decile of all FDIC-insured institutions by asset size (362nd of 4,313), and within Arkansas it ranks 6th of 78 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Community Bank, at $3.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Arkansas by total assets
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.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is ENCORE BANK's health grade?▼
ENCORE BANK receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is ENCORE BANK?▼
ENCORE BANK holds $3.6B in total assets and $3.3B in deposits, ranking 362nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Little Rock, Arkansas.
Is my money safe at ENCORE BANK?▼
Yes, deposits at ENCORE BANK (Certificate #34562) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is ENCORE BANK's Tier 1 Capital Ratio?▼
ENCORE BANK has a Tier 1 Capital Ratio of 11.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for ENCORE BANK?▼
ENCORE BANK has a Texas Ratio of 1.78%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is ENCORE BANK?▼
ENCORE BANK has an Efficiency Ratio of 89.16%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read ENCORE BANK's profile as a depositor or analyst.
- ENCORE BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare ENCORE BANK against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.