Lenders › Encore Bank
7(a) lenderLittle Rock, ArkansasFDIC-insured bank277th of 2,184 by approvals
Encore Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Encore Bank (Little Rock, Arkansas) is an FDIC-insured bank in the SBA 7(a) program, 277th of 2,184 by approvals in FY2021 to FY2025: 122 loans worth $84.5M.
In FY2025, the latest complete fiscal year, it had 24 approvals totalling $21.9M, up 41% on FY2024 (17). FY2026 to 30 Jun 2026 adds 28 more.
The median approval was $454K, against $190K for the 7(a) program as a whole; 22.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 13 states and territories and 49 counties, led by Texas (47.5%), Florida (16.4%) and Arkansas (13.1%). The largest industry group was accommodation and food services at 13.9% of approvals, and 27.9% of approvals were to franchise businesses.
Encore Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 28 | $20.7M | $439K | $739K | 440 |
| FY2025 | 24 | $21.9M | $644K | $912K | 576 |
| FY2024 | 17 | $16.2M | $507K | $950K | 390 |
| FY2023 | 39 | $22.6M | $460K | $578K | 673 |
| FY2022 | 24 | $13.5M | $282K | $562K | 336 |
| FY2021 | 18 | $10.4M | $374K | $579K | 212 |
| FY2020 | 0 | — | — | — | 0 |
| FY2019 | 0 | — | — | — | 0 |
| FY2018 | 0 | — | — | — | 0 |
| FY2017 | 0 | — | — | — | 0 |
| FY2016 | 0 | — | — | — | 0 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 0 approvals. First approval on file: FY2021.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Texas | 7(a) program |
|---|---|---|---|
| Approvals in these years | 18 | 48,931 | 639,905 |
| Cancelled or never disbursed | 3 | 5,758 | 79,313 |
| Disbursed loans | 15 | 43,173 | 560,592 |
| Paid in full | 6 | 31,848 | 435,813 |
| Charged off | 0 | 3,650 | 36,891 |
| Still outstanding (status exempt from disclosure) | 9 | 7,675 | 87,888 |
| Charged off, share of disbursed loans | too few loans | 8.5% | 6.6% |
| Dollars charged off, share of disbursed dollars | too few loans | 2.9% | 2.5% |
| Dollars charged off | — | $682M | $5.70bn |
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $454K | $190K |
| Average approval | $693K | $518K |
| Approvals of $150,000 or less | 22.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 58.2% | 34.3% |
| Approvals to franchise businesses | 27.9% | 11.5% |
| Jobs supported per approval, as reported | 17.9 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | too few loans | 6.6% |
States served
| # | State of the business (13 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Texas | 58 | $38.2M | 47.5% | |
| 2 | Florida | 20 | $11.1M | 16.4% | |
| 3 | Arkansas | 16 | $8.8M | 13.1% | |
| 4 | Tennessee | 7 | $4.8M | 5.7% | |
| 5 | Missouri | 5 | $5.3M | 4.1% | |
| 6 | Colorado | 4 | $4.7M | 3.3% | |
| 7 | North Carolina | 4 | $2.9M | 3.3% | |
| 8 | Oklahoma | 2 | — | 1.6% | |
| 9 | Michigan | 2 | — | 1.6% | |
| 10 | Utah | 1 | — | 0.8% | |
| 11 | Alabama | 1 | — | 0.8% | |
| 12 | Indiana | 1 | — | 0.8% |
In Texas the lender accounts for 0.2% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (49 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Dallas County, TX | 15 | $8.5M | 12.3% | |
| 2 | Tarrant County, TX | 12 | $11.0M | 9.8% | |
| 3 | Pulaski County, AR | 8 | $4.0M | 6.6% | |
| 4 | Travis County, TX | 7 | $5.2M | 5.7% | |
| 5 | Greene County, MO | 4 | $4.4M | 3.3% | |
| 6 | Hillsborough County, FL | 4 | $2.1M | 3.3% | |
| 7 | Polk County, FL | 4 | $2.1M | 3.3% | |
| 8 | Collin County, TX | 4 | $1.7M | 3.3% | |
| 9 | Bexar County, TX | 4 | $1.3M | 3.3% | |
| 10 | Craighead County, AR | 3 | $2.1M | 2.5% | |
| 11 | Sarasota County, FL | 3 | $1.9M | 2.5% | |
| 12 | Williamson County, TX | 3 | $1.4M | 2.5% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 17 | 13.9% | |
| 2 | Administrative and Support and Waste Management and Remediation Services | 15 | 12.3% | |
| 3 | Construction | 14 | 11.5% | |
| 4 | Other Services (except Public Administration) | 14 | 11.5% | |
| 5 | Retail Trade | 14 | 11.5% | |
| 6 | Professional, Scientific, and Technical Services | 13 | 10.7% | |
| 7 | Health Care and Social Assistance | 10 | 8.2% | |
| 8 | Manufacturing | 6 | 4.9% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 16 | 13.1% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 10 | 8.2% | |
| 3 | Personal Care ServicesNAICS 8121 | 8 | 6.6% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 7 | 5.7% | |
| 5 | Computer Systems Design and Related ServicesNAICS 5415 | 5 | 4.1% | |
| 6 | Remediation and Other Waste Management ServicesNAICS 5629 | 5 | 4.1% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 4.1% | |
| 8 | General Freight TruckingNAICS 4841 | 4 | 3.3% | |
| 9 | Advertising, Public Relations, and Related ServicesNAICS 5418 | 3 | 2.5% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 2.5% |
Approval sizes
- $50,000 or less6.6%8
- $50,001 to $150,00015.6%19
- $150,001 to $350,00020.5%25
- $350,001 to $1 million36.9%45
- $1 million to $2 million12.3%15
- Over $2 million8.2%10
Loan terms
- 5 years or less0.8%1
- Over 5 to 10 years82.8%101
- Over 10 to 20 years9.0%11
- Over 20 years7.4%9
Age of the businesses
- Existing, more than 2 years old33.6%41
- New business, 2 years or less22.1%27
- Startup, loan funds will open the business36.1%44
- Change of ownership8.2%10
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 55 | 45.1% | |
| 2 | SBA Express Program | 39 | 32.0% | |
| 3 | 7a General | 18 | 14.8% | |
| 4 | Working Capital CAPLine | 10 | 8.2% |
Franchise share
34 of 122 approvals in FY2021–FY2025 (27.9%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Blue Kangaroo Packoutz | 7 | 5.7% | |
| 2 | Vital Care | 3 | 2.5% | |
| 3 | Crumbl | 3 | 2.5% | |
| 4 | Servpro | 2 | 1.6% | |
| 5 | Club Pilates | 2 | 1.6% | |
| 6 | Biggby Coffee | 2 | 1.6% | |
| 7 | Supercuts | 2 | 1.6% | |
| 8 | Smalls Sliders | 1 | 0.8% |
Questions and answers
How many SBA loans does Encore Bank make?
SBA approved 24 7(a) loans through Encore Bank in FY2025, worth $21.9M, and 122 over FY2021 to FY2025. That ranks 277th of 2,184 active 7(a) lenders by number of approvals.
How large are Encore Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $454K and the average $693K. The program-wide median was $190K.
What is Encore Bank's charge-off rate?
Encore Bank has fewer than 30 disbursed loans from the FY2010 to FY2021 approval years on record, too few for a charge-off rate to be shown. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Encore Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (16); services to buildings and dwellings (10); personal care services (8); offices of other health practitioners (7).
Where does Encore Bank make SBA loans?
In 13 states and territories. Texas 58, Florida 20, Arkansas 16, Tennessee 7, Missouri 5. In Texas it accounts for 0.2% of all 7(a) approvals.
Is Encore Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 80, against 42 in the three before: rising (+90%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error