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ENCORE BANK
Little Rock, AR·FDIC Cert #34562·Charter: STATE·Est. 19970908.0·HC: ENCORE BANCSHARES INC
Total Assets
$3.6B
Q4 2025
Return on Assets
0.19%
+0.05%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
89.16%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.19%+0.05
ROE
2.48%+0.60
Efficiency
89.16%-3.27
Equity/Assets
0.00%+0.00
NPL Ratio
0.22%-0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
82.46%-2.84
Charge-offs
0.26%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | -0.2 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.2 |
| ROE | -2.4 | 0.1 | 1.1 | 1.5 | 1.7 | 1.6 | 1.9 | 2.5 |
| Efficiency | 116.2 | 102.4 | 97.4 | 95.0 | 94.4 | 94.5 | 92.4 | 89.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.3 | 0.3 | 0.2 | 0.1 | 0.2 | 0.3 | 0.2 |
| Charge-offs | 0.1 | 0.0 | 0.0 | 0.1 | 0.3 | 0.4 | 0.3 | 0.3 |
| Loan/Deposit | 108.6 | 110.1 | 101.3 | 102.6 | 100.8 | 92.9 | 85.3 | 82.5 |
Balance Sheet
Total Assets$3.6B
Total Deposits$3.3B
Total Loans$2.7B
Total Equity$299.8M
Profitability
ROA0.19%
ROE2.48%
Efficiency Ratio89.16%
Net Income$7.1M
Risk & Asset Quality
NPL Ratio0.22%
Charge-off Rate0.26%
Loan/Deposit82.46%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans