| Metric | ENCORE BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +5.5% | -2.1 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +3.0 pts |
| Loan growth (YoY) | -6.8% | +5.9% | -12.8 pts |
| ROA | 0.37% | 1.26% | -0.9 pts |
| ROE | 4.5% | 12.2% | -7.7 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.70B | $3.35B | $2.68B | $309.7M | $6.8M | 0.37% | 2.67% | 0.14% |
| Q1 2026 | $3.59B | $3.24B | $2.71B | $298.4M | $2.8M | 0.31% | 2.55% | 0.18% |
| Q4 2025 | $3.63B | $3.27B | $2.69B | $299.8M | $7.1M | 0.19% | 2.25% | 0.20% |
| Q3 2025 | $3.58B | $3.23B | $2.76B | $290.7M | $4.0M | 0.15% | 2.14% | 0.26% |
| Q2 2025 | $3.58B | $3.10B | $2.88B | $277.5M | $2.2M | 0.12% | 2.08% | 0.13% |
| Q1 2025 | $3.71B | $2.93B | $2.96B | $281.4M | $1.2M | 0.13% | 2.00% | 0.11% |
| Q4 2024 | $3.74B | $2.95B | $3.03B | $280.4M | $4.3M | 0.11% | 1.78% | 0.19% |
| Q3 2024 | $3.86B | $3.06B | $3.10B | $286.4M | $2.2M | 0.07% | 1.70% | 0.25% |
Loan mix (Q2 2026): real estate $2.12B · commercial $586.1M · consumer $1.7M · securities $454.4M
| Ratio | ENCORE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 4.5% | 12.2% | 7th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.2% | 59.0% | 97th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | ENCORE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | ENCORE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | ENCORE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | ENCORE BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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