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Encore Bank

IDRSSD: 2594240
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q3QoQ +5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #2594240 2025-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +11
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +11
78
Sub-score

Liquidity is stable: brokered 6.8%, loans/deposits 85.3%, cash 5.6% of assets.

Cash / Assets
5.62%
Loans / Deposits
85.30%
Brokered %
6.85%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +8
71
Sub-score

Capital position is stable: Tier 1 RBC 11.47%, CET1 11.47%, leverage 9.35%.

Tier 1 RBC
11.47%
CET1
11.47%
Leverage
9.35%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.1%, NCO YTD 0.08%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.08%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 493.6%, true coverage 493.6%.

ALLL / Loans
1.37%
Coverage
493.6%
True Loss Coverage
493.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 12:00:56 UTC