BlastPoint's Banking Scorecard
ENCORE BANK
Community
Specialty: Commercial
AR
FDIC cert 34562
Little Rock, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
ENCORE BANK faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 62% in Community
- - Return on Assets 0.97% below tier
- - Net Interest Margin 1.42% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.6B
-3.0% YoY
+1.2% QoQ
|
+$2.2B |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.7B
-11.0% YoY
-2.3% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$3.3B
+10.8% YoY
+1.0% QoQ
|
+$2.1B |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.19%
+76.8% YoY
+33.5% QoQ
|
-0.97% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.25%
+26.5% YoY
+5.0% QoQ
|
-1.42% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
89.16%
-6.2% YoY
-3.5% QoQ
|
+26.53% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.22%
-4.4% YoY
-21.0% QoQ
|
-0.41% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
82.46%
-19.7% YoY
-3.3% QoQ
|
-0.60% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
16.32%
+46.9% YoY
+16.1% QoQ
|
-4.72% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.20%
+3.8% YoY
-21.7% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.81%
+14.0% YoY
+3.0% QoQ
|
+1.57% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.43%
-0.2% YoY
+30.5% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Drag
risk
#95 of 152 · Bottom 62% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.16%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.19%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.25%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Total Deposits
Current: $3.3B · Tier avg: $1.2B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.46% · Tier avg: 83.06%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.32% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 89.16% · Tier avg: 62.63%
3
3th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.25% · Tier avg: 3.66%
4
4th pctile
Efficiency Ratio
Current: 89.16% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.16%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.32% · Tier avg: 21.05%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 10.24%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.46% · Tier avg: 83.06%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.63%
95
95th pctile
Total Assets
Current: $3.6B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
97
97th pctile
Total Deposits
Current: $3.3B · Tier avg: $1.2B