I created two PDFs from the same webpage, but encrypted one of them. I then went to the Terminal and ran various ls and xattr commands. I didn't see any attribute or designator to reflected the encrypted status of the one PDF.
There is a slight difference in the output of xattr, but I do not know what it means.
com.apple.quarantine: 0002;57b78577;Preview;
vs.
com.apple.quarantine: 0002;57b785a4;Preview;
If the numbers are significant, one could write a script to find them. More research needed though. I realize you were asking for a Finder solution. I'm pretty sure that doesn't exist, in part because there are different methods programs use to encrypt files, and Finder wouldn't know all of them. Nor am I sure I want the OS to know...