BlastPoint's Banking Scorecard

Endeavor Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59099

San Diego, CA

4 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Endeavor Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 71.0% in tier
+ Efficiency Ratio 2.61% below tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 45.1% in tier
- ROA 0.36% below tier average

Get updates when Endeavor Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$805.3M +14.3% YoY +4.6% QoQ	+$419.2M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 7.9% in tier
Total Loans ?	$650.2M +10.3% YoY +2.5% QoQ	+$394.4M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 4.2% in tier
Total Deposits ?	$709.4M +13.2% YoY +3.8% QoQ	+$381.4M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 6.2% in tier
Return on Assets ?	0.91% -9.2% YoY -9.9% QoQ	-0.36%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	32%
Net Interest Margin ?	4.70% +5.8% YoY +4.0% QoQ	+0.77%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Top 12.9% in tier
Efficiency Ratio ?	62.67% -1.3% YoY +0.9% QoQ	-2.61%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	52%
Delinquency Rate ?	0.04% -90.4% YoY -77.8% QoQ	-0.85%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	91.65% -2.6% YoY -1.2% QoQ	+15.01%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	32.52% -2.6% YoY -0.1% QoQ	+10.50%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 13.3% in tier
Nonperforming Asset Ratio ?	0.03% -90.8% YoY -78.3% QoQ	-0.61%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	11.60% +10.7% YoY +11.9% QoQ	-4.23%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.06% +147.1% YoY -64.4% QoQ	-0.22%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#194 of 272 • Top 71.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.52%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.70%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#291 of 643 • Bottom 45.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.65%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

112

Total Loans

size

Value: $650.16M

Peer Median: $255.72M

#112 of 2664 Top 4.2% in $100M-$1B

166

Total Deposits

size

Value: $709.41M

Peer Median: $327.97M

#166 of 2664 Top 6.2% in $100M-$1B

211

Total Assets

size

Value: $805.32M

Peer Median: $386.08M

#211 of 2664 Top 7.9% in $100M-$1B

345

Net Interest Margin

profitability

Value: 4.70%

Peer Median: 3.93%

#345 of 2664 Top 12.9% in $100M-$1B

354

Non-Interest-Bearing Deposit Share

funding

Value: 32.52%

Peer Median: 22.02%

#354 of 2664 Top 13.3% in $100M-$1B

500

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#500 of 2654 Top 18.8% in $100M-$1B

512

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#512 of 2664 Top 19.2% in $100M-$1B

Top Weaknesses (1 metrics)

2098

Loan-to-Deposit Ratio

liquidity

Value: 91.65%

Peer Median: 76.64%

#2098 of 2664 Bottom 21.3% in $100M-$1B