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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Arkansas, the state note

Encore Bank

Little Rock, Arkansas · $3.70B in assets · beside the 11 other the South Central states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

0.38%
ROA
12th of 12
85.2%
Efficiency
12th of 12
290.8%
CRE / capital
12th of 12

Encore Bank is the seventh largest of the 12 the South Central states banks nearest its size between $3B and $10B, with $3.70B in assets at 30 June 2026. Loans are 81.2% of deposits, 5th of 12 against a median of 83.4%, and equity is 8.4% of assets, 9th of 12. Loans grew -6.9% in the year, 11th of 12, and deposits grew 8.0%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 0.17% of the book, 3rd of 12 against a median of 0.56%; 0.34% is 30 to 89 days past due, and the allowance covers them 7.5 times. Net charge-offs are 0.14% of loans, 9th of 12. Commercial real estate is 40.2% of loans, 11th of 12 against a median of 30.3%, and 291% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 0.38%, the lowest in the cohort against a median of 1.16%, on an efficiency ratio of 85.2%, the highest in the cohort. Five years ago it was 0.22%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

Return on assetsSouth Central states banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.16% RB River Bank & Trust 1.47% RR Red River Bank 1.45% HB Home Bank National Association 1.37% FC First Community Bank 1.32% CB Central Bank & Trust Co. 1.26% IB Investar Bank National Association 1.18% IB Independence Bank of Kentucky 1.14% GC Gulf Coast Bank & Trust Co. 1.10% BF Bankfirst Financial Services 1.09% SB Southeast Bank 0.74% FG First Guaranty Bank 0.39% EB Encore Bank 0.38%
Loans, year over yearSouth Central states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.9% IB Investar Bank National Association +45.3% BF Bankfirst Financial Services +23.9% FC First Community Bank +12.4% GC Gulf Coast Bank & Trust Co. +11.4% RB River Bank & Trust +11.3% SB Southeast Bank +8.0% RR Red River Bank +5.7% CB Central Bank & Trust Co. +5.3% IB Independence Bank of Kentucky +1.1% HB Home Bank National Association +0.5% EB Encore Bank -6.9% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Encore Bank is the 140th largest 7(a) lender into Texas of 706, with $51M across 72 loans, 0.1% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 7 of its 57 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Tarrant, TX$16M50th of 2810.4%+0.9 pts
Dallas, TX$9M98th of 3140.2%+0.1 pts
Travis, TX$6M77th of 2390.2%-1.0 pts
Denton, TX$6M70th of 2240.3%thin
Pulaski, AR$5M19th of 1101.2%+2.2 pts
Iron, UT$5M5th of 384.3%thin
Greene, MO$4M24th of 800.5%thin
Davidson, TN$4M42nd of 1640.4%thin
Comal, TX$3M37th of 980.9%thin
Osceola, FL$3M40th of 1150.7%thin
Hillsborough, FL$3M103rd of 1950.1%thin
Larimer, CO$3M56th of 1330.3%thin
Collin, TX$3M140th of 2610.1%-0.1 pts
44 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Professional & technical services17$17M15.9%0.05%212th of 1,955
Other services20$12M11.3%0.03%326th of 2,248
Manufacturing7$11M10.7%0.03%430th of 2,246
Construction16$11M10.1%0.03%354th of 2,063
Administrative & waste services15$10M9.4%0.07%203rd of 1,763
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Encore Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans EB Encore Bank 0.1% $51M · 72 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Encore BankRankCohort median
Total CRE against capital, the 300% screen291%12th of 12213%
Construction against capital, the 100% screen36%3rd of 1260%
Construction and land development, share of loans4.9%1st of 129.3%
Non-owner-occupied nonfarm nonresidential, share of loans26.8%11th of 1216.4%
Total CRE, the guidance definition, share of loans40.2%11th of 1230.3%
CRE growth over 36 months, the third prong-15.0%2nd of 12+25.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
River Bank & Trust$4.02B1.5%47.4%0.48%0.02%1.4%81.6%8.8%
Central Bank & Trust Co.$4.01B1.3%69.7%0.21%-0.03%1.0%96.6%12.5%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Independence Bank of Kentucky$3.83B1.1%64.1%0.12%0.00%1.0%70.5%8.3%
Encore Bank$3.70B0.4%85.2%0.17%0.14%1.3%81.2%8.4%
First Community Bank$3.63B1.3%56.2%0.31%0.14%1.0%102.8%7.8%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Southeast Bank$3.58B0.7%71.4%2.66%0.09%0.6%96.6%8.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Bankfirst Financial Services$3.31B1.1%65.3%0.77%0.10%1.3%80.3%13.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Encore BankCohort median
20212026Change20212026Change
Loans$839M$2.72B+224%$1.74B$2.80B+61%
Deposits$896M$3.35B+274%$2.30B$3.17B+38%
NPA / loans0.00%0.17%+0.17 pts0.65%0.56%-0.09 pts
Efficiency90.7%85.2%-5.5 pts63.8%64.7%+1.0 pts
ROA0.22%0.38%+0.16 pts1.09%1.16%+0.07 pts

This read was prepared for Encore Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Encore Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks $3B to $10B
Institution www.bankencore.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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