Encore Bank
Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 9.4.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10). Weak liquidity 2.9, driven by a liquidity ratio of 13.8 percent and a “hot money” ratio of 4.0 percent.
Asset Mix:
Comm re (31%), comm loans (16%), home mtgs (15%), securities (12%), cash (10%), home eq lns (1%), other (15%)
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
(501) 651-0991
Year Founded
1997
FDIC Number
Website
Largest Affiliates
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