CSI, a leading provider of end-to-end financial software and technology, congratulates its customer Encore Bank on being named “Bank Lender of the Year” by Tearsheet’s 2025 Lending Awards. The award recognizes Encore Bank’s exceptional achievement in redefining modern community bank lending operations through precision, integration, and innovation.
Encore Bank, with an asset size of $3.6 billion, uses CSI’s Hawthorn River LOS to connect more than 20 financial technology solutions into a unified ecosystem, eliminating manual inefficiencies while maintaining relationship-focused service. The bank’s technology-driven approach delivers the agility of a fintech with the stability of a traditional community financial institution, resulting in faster decision making, enhanced compliance tracking and improved borrower experiences.
“Hawthorn River transformed our lending operations by creating a single platform that handles our entire loan origination life cycle—from application and pipeline management to underwriting, documentation, e-signature, booking, document and exception tracking, and more—with connectivity to our pricing and profitability solution. It is also used for underwriting of treasury management products and tracking of escrow documents and disbursements,” said Erin Simpson, EVP and COO at Encore Bank. “The system’s integration capabilities help us further connect our entire technology stack, which is connected from middleware to online banking to title company software, creating operational efficiencies that directly benefit our employees and clients. We are proud of the hard work our team has done to make this achievement possible.”
With its strong core lending operations and robust technology infrastructure, Encore is poised for long-term growth and is setting a new standard for innovation in the financial industry.
“Encore Bank’s success exemplifies how banks can leverage advanced technology to compete effectively while maintaining the local relationships and service that define them,” said Nancy Langer, CEO of CSI. “It’s proof that the right infrastructure enables innovation without sacrificing what makes community banking valuable. Congratulations to the entire Encore Bank team.”
Encore Bank operates 18 full-service branches across seven states, serving communities in Arkansas, Texas, Florida, Colorado, North Carolina, South Carolina and Missouri.
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