Encore Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.1) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.5). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.5 and a capital leverage ratio of 8.7.
Asset Mix:
Comm re (36%), home mtgs (18%), comm loans (15%), securities (12%), cash (2%), home eq lns (1%), consumer loans (0%), other (16%)
States with Branches:
AR, CO, FL, MO, NC, SC, TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Encore Bancshares, Inc.
Investment Rating
--
Address
1801 Rahling Road
Little Rock, AR 72223
Little Rock, AR 72223
Phone Number
(844) 394-2265
Year Founded
1997
FDIC Number
Website
Largest Affiliates
No affiliate information available.