AR lenders / Community Bank
Encore Bank
Community Bank · Little Rock, AR · Encore Bancshares Inc
- Total assets
- $3.6B
- CRE loan book
- $1.5B
- QoQ CRE growth
- -2.5%
- Q1 2026
Recorded CRE activity — co-boulder County
3 commercial deeds of trust recorded recently, verified from county records.
- Sep 3, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
- Jul 7, 2026 · unknownundisclosed
Observed rates
Real loans — SBA 7(a)
12 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 9.00% (12 variable / 0 fixed) · $13.3M total approved.
Borrower cities: Austin (2), Decatur (2), Keene (2), Frisco, Irving, Argyle.
Source: SBA 7(a) FOIA dataset · most recent approval Mar 30, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.20% as of Q1 2026 — TX bank median 4.87% (0.34pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.20% | 5.62% |
| Q4 2025 | 5.38% | 5.79% |
| Q3 2025 | 5.31% | 5.69% |
| Q2 2025 | 5.31% | 5.70% |
| Q1 2025 | 5.32% | 5.67% |
| Q4 2024 | 5.44% | 5.81% |
| Q3 2024 | 5.49% | 5.84% |
| Q2 2024 | 5.23% | 5.66% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.5B | $114.1M | $250.4M | 294% | $0 |
| Q4 2025 | $1.5B | $127.5M | $242.4M | 310% | $0 |
| Q3 2025 | $1.6B | $141.3M | $248.1M | 322% | $0 |
| Q2 2025 | $1.7B | $171.7M | $223.6M | 341% | $0 |
| Q1 2025 | $1.7B | $172.1M | $219.0M | 343% | $0 |
| Q4 2024 | $1.7B | $175.5M | $200.1M | 350% | $0 |
| Q3 2024 | $1.7B | $142.8M | $186.9M | 354% | $712,000 |
| Q2 2024 | $1.8B | $213.5M | $193.4M | 362% | $0 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Coastal Community BankCommunity Bank · Everett · $1.5B CRE book
- Leader Bank, National AssociationCommunity Bank · Arlington · $1.5B CRE book
- Orange Bank & Trust CompanyCommunity Bank · Middletown · $1.5B CRE book
- Academy Bank, National AssociationCommunity Bank · Kansas City · $1.5B CRE book
- City BankCommunity Bank · Lubbock · $1.6B CRE book
Markets where Encore Bank lends
Encore Bank has commercial deeds of trust recorded in this metro. See who else is active there and current rate ranges by property type.
Dallas–Fort Worth
Dallas–Fort Worth (Dallas, Tarrant, Collin & Denton Counties)
Last updated Sep 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.