● Nasdaq-style community bank holding • Est. 2007

Banking that moves at the speed of your ambition.

Encore Bancshares pairs big-bank capabilities with boutique attention. $4.8B+ in assets, 28 branches, dedicated teams for commercial, private, SBA, mortgage and wealth — all obsessed with your growth.

Explore banking solutions Our story ↓

$4.8BTotal assets & growing 18% YoY

4.9 ★12,400+ verified client reviews

98%Commercial retention rate

24hAverage loan decision time

Encore Bancshares headquarters tower in Dallas

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+23.4% loan growth
Commercial portfolio 2025-2026

Commercial Lending •Private Banking •Treasury & Payments •SBA Preferred Lender •Wealth & Trust •Mortgage •Commercial Lending •Private Banking •Treasury & Payments •SBA Preferred Lender •Wealth & Trust •Mortgage •

01 — About Encore

A bank holding company built for builders.

Meet your team

Relationship banking handshake at Encore

17+years of trusted growth

Encore Bancshares, Inc. is the parent of Encore Bank — a full-service commercial bank serving entrepreneurs, mid-market companies, medical and legal professionals, nonprofits and families who want more than transactions.

We started in 2007 with one belief: decisions should be made locally, by bankers who know your name, your balance sheet and your block. Today we combine that high-touch model with modern treasury tech, instant payments, open APIs and fiduciary wealth management.

✓Local credit authority: loans approved in-market, not in a distant committee. Up to $35M per relationship.

✓One team, full stack: banker + treasury advisor + wealth planner assigned from day one.

✓Sound & strong: 11.8% Tier 1 capital, 1.42% ROA, investment-grade discipline.

✓Community first: $62M reinvested in affordable housing, small business and financial literacy since 2019.

0B$ assets

0Branches & LPOs

0Bankers & advisors

0k clients served

02 — What we do

Every financial need, one encore.

From first operating account to generational trust — scalable solutions with white-glove service.

Commercial

Commercial & CRE Lending

Term loans, lines, owner-occupied CRE, construction, syndications. Structures in days, not months.

C&I up to $35M
CRE, medical & professional condos
SBA 7(a) & 504 Preferred Lender

Get term sheet →

Treasury

Treasury & Payments

Real-time payments, fraud armor, integrated payables. Your CFO's favorite dashboard.

RTP, FedNow, ACH, wires
Positive pay, sweep & zero-balance
ERP + QuickBooks integrations

Optimize cash →

Private & Wealth

Private, Mortgage & Wealth

Jumbo mortgages, portfolio loans, trust, investment management via Encore Wealth Partners.

Private banking with dedicated advisor
Jumbo & physician loans
Trust, estate & 401(k) solutions

Plan wealth →

Business Checking

Free analysis, 0.75% earnings credit, 500 free transactions.

SBA Express

Approvals in 36 hours, $5M max, 90% guaranty expertise.

Fraud Shield+

AI check + ACH filters blocked $18M fraud last year.

Encore App

4.8★ app, mobile deposits to $500k, instant card controls.

Why Encore wins

Big-bank power. Neighborhood heart.

Net Promoter Score 72 vs industry 31. Here's why founders switch:

Feature	Encore	Big banks
Dedicated banker cell phone	✅ Yes, answers in minutes	❌ 1-800 queue
Same-day wires to 90 countries	✅ Until 5pm CT	❌ Cutoff 2pm
Local loan committee	✅ Weekly in Dallas/Houston	❌ Out-of-state
Free treasury onboarding	✅ + on-site training	❌ $2,500+ fees

See financial strength Market insights

03 — Investors

Disciplined growth, transparent results.

IR contact

Q2 2026 Highlights

Net income $28.4M, diluted EPS $1.12, NIM 3.68%, efficiency 52.1%. Dividend $0.24 raised 9th year in a row.

Total loans	$3.9B (+14%)
Deposits	$4.1B (+12%)
NPL / loans	0.28%

Governance & Leadership

Independent board, 40% diverse, veteran risk committee. CEO Allen Staff with 28 years Texas banking.

• Audit: Big Four + internal SOX
• ESG report & stress tests published
• Insider ownership 8.4% aligned

Leadership principles →

Shareholder resources

Annual report, 10-K, proxy, earnings calls transcripts and branch expansion map.

Read earnings commentary →

04 — History

From one branch to a Texas icon.

2007 — Founded
First branch opens in Dallas with $25M capital and 9 bankers.

2013 — $1B milestone
Cross $1B assets, launch private banking and mortgage division.

2019 — Encore Wealth
Acquire trust company, AUM passes $1.2B, expand to Houston & Austin.

2023 — Digital leap
New app, FedNow early adopter, 52k new clients in 12 months.

2026 — $4.8B & beyond
28 locations, Top 10 SBA lender in Texas, NPS 72.

“They underwrote our second plant in 11 days when two national banks said 90. That’s Encore.”

— Maria Gonzalez, CEO, GulfPak Manufacturing • Client since 2018

05 — Community

Profit with purpose.

🏠 $32M Affordable Housing

First-time buyer grants, 2.5% down programs, 480 families housed in 2025.

🎓 Encore Academy

Free financial literacy in 84 schools, 12k students, bilingual curriculum.

🌱 Green Lending

Solar + efficiency loans at -0.5% rate discount, $18M funded.

06 — FAQ

Questions? Answered.

Is Encore Bancshares FDIC insured?

Yes. Encore Bank, Member FDIC. Deposits insured up to $250k per depositor, with ICS/CDARS options to insure up to $50M through our network.

How fast can I get a business loan?

Express decisions in 24-48h for loans under $1M with complete package. CRE and larger C&I typically 7-14 days thanks to local committee.

Do you work with startups and SBA?

Absolutely — we're an SBA Preferred Lender. 7(a), 504, microloans and venture-debt style lines for post-seed companies with recurring revenue.

Can I open an account online?

Yes, in ~8 minutes with ID verification. Business accounts get a same-day call from your dedicated banker to set up treasury.

What are your fees?

No monthly fee with $1,500 average balance (personal) or $5k (business). Free wires incoming, free mobile deposits, no overdraft surprises — $10 cap.

Where are you located?

Headquartered in Dallas, TX with 28 branches across Texas, Florida and Alabama plus nationwide digital banking.

07 — Newsroom

Insights & Encore news

Rates, CRE outlook, treasury tips and company updates — written by bankers, not bots.

Coming soon

Market outlook 2026: where smart capital moves next

Our economists break down rates, CRE and small-business credit...

Stay tuned →

Coming soon

5 treasury moves to bulletproof cash flow

Sweeps, fraud filters and instant collections explained...

Stay tuned →

Coming soon

SBA 7(a) in 2026: how to get approved in 36 hours

Checklist from our Preferred Lender team...

Stay tuned →

08 — Contact

Let's talk growth.

Visit, call or send a note. A real banker replies within one business day.

📍 1100 Commerce St, Suite 200, Dallas, TX 75207
☎ +1 (214) 555-0140
✉ [email protected]
🕘 Mon–Fri 9am–5pm CT • 28 branches