Encore Bank (FDIC #34562): Bank Stress & Real-Estate Credit Exposure
Encore Bank (FDIC Cert #34562): bank stress 89/100, severe, STABLE over 7 days; parent ENCORE BANCSHARES INC.
Encore Bank (#34562) lends in 17 counties across 7 states; Encore Bank (#34562) reaches 689 ZIP codes: Texas 5 counties, 338 ZIPs; Arkansas 4 counties, 89 ZIPs; Colorado 2 counties, 64 ZIPs; North Carolina 2 counties, 59 ZIPs; South Carolina 2 counties, 58 ZIPs; Florida 1 county, 58 ZIPs.
Encore Bank (#34562) largest markets: Dallas County, TX (95 branches, 95 ZIPs) (#34562), Bexar County, TX (78 branches, 78 ZIPs) (#34562), Tarrant County, TX (76 branches, 76 ZIPs) (#34562), Travis County, TX (63 branches, 63 ZIPs) (#34562), Hillsborough County, FL (58 branches, 58 ZIPs) (#34562), Denver County, CO (41 branches, 41 ZIPs) (#34562).
Encore Bank (#34562) reports $3.70 billion in total assets; Encore Bank (#34562) equity $309.7 million (8.4% of Encore Bank (#34562) assets); Encore Bank (#34562) domestic deposits $3.35 billion; Encore Bank (#34562) net income $6.8 million; Encore Bank (#34562) return on assets 0.37%; Encore Bank (#34562) return on equity 4.49%; Encore Bank (#34562) net interest income $45.7 million; Encore Bank (#34562) call report June 30, 2026.
Encore Bank (#34562) noncurrent real-estate loans 0.01% of its book; Encore Bank (#34562) net charge-offs on real estate 0.11%.
Encore Bank (#34562) net interest margin 2.67% against an eight-quarter Encore Bank (#34562) average of 2.14% (Encore Bank (#34562) compression -0.52 points); Encore Bank (#34562) real-estate loans 0.6% of equity; Encore Bank (#34562) rate-exposure score 40/100, Encore Bank (#34562) fixed-rate trap 40/100; Encore Bank (#34562) risk type credit driven; Encore Bank (#34562) rate regime rates elevated, Encore Bank (#34562) snapshot October 20, 2026.
Encore Bank (#34562) stress score moved from 88.5 on June 22, 2026 to 88.8 on October 20, 2026; Encore Bank (#34562) ranged 88.5 to 88.8 over 117 snapshots.
Encore Bank (#34562) alerts: 17 counties; top Encore Bank (#34562) alert scores: Dallas County, AR 51 (elevated); Austin County, AR 27 (low); Boulder County, AR 27 (low); Charlotte County, AR 27 (low); Denver County, AR 27 (low).