This institution is no longer active

Operations ceased on September 14, 2012. CRA examination history below reflects the period it was active.

ENCORE BANK, NATIONAL ASSOCIATION

HOUSTON, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1956FDIC #34,378

Satisfactory Same

Current rating · Exam: February 2012

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Institution Profile

FDIC BankFind

Address

Nine East Greenway Plaza, Suite 1000, HOUSTON, TX

County

Harris County

Established

December 20, 1956

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 13, 2012

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 14 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,225	56.82%	17.39%
2023	1,574	63.21%	12.90%
2022	1,547	74.79%	5.82%
2021	1,861	76.25%	4.30%
2020	813	85.85%	3.44%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2009

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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