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Endeavor Bank

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

San Diego, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits +8.6% year over year ($725.1M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.03%.
  • Efficiency ratio 60.43% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Endeavor Bank has 3 strengths but faces 4 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 56.8% in tier
  • + Efficiency Ratio 4.05% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 21.4% in tier
  • - Credit Risk Growth: Bottom 25.2% in tier
  • - Credit Quality Pressure: Bottom 31.5% in tier
  • - ROA 0.29% below tier average
Get updates when Endeavor Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $822.7M
+10.2% YoY +2.2% QoQ
+$436.1M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 6.9% in tier
Total Loans ? $653.9M
+5.9% YoY +0.6% QoQ
+$395.6M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 3.9% in tier
Total Deposits ? $725.1M
+8.6% YoY +2.2% QoQ
+$398.3M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 5.1% in tier
Return on Assets ? 1.03%
+13.8% YoY +13.5% QoQ
-0.29% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 4.68%
+5.1% YoY -0.4% QoQ
+0.70% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 14.8% in tier
Efficiency Ratio ? 60.43%
-5.3% YoY -3.6% QoQ
-4.05% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.46%
+42.1% YoY
-0.46% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 90.19%
-2.4% YoY -1.6% QoQ
+12.24% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 36.56%
+20.0% YoY +12.4% QoQ
+14.53% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 7.9% in tier
Nonperforming Asset Ratio ? 0.36%
+36.6% YoY
-0.30% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
47%
Tier 1 Capital Ratio ? 11.76%
+15.3% YoY +1.4% QoQ
-4.15% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.11%
+73.2% YoY +65.5% QoQ
-0.46% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 36.6%
+6.1pp YoY
+4.0pp QoQ
 +14.4pp 22.1% 25.5% 22.2% 92%
Brokered Deposits 12.4%
-13.6pp YoY
-6.9pp QoQ
 +4.5pp 7.9% 11.0% 8.5% 81%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 29.7%
+1.3pp YoY
-2.2pp QoQ
 +18.1pp 11.6% 11.8% 12.5% 96%
CRE 66.2%
-1.2pp YoY
+2.3pp QoQ
 +26.6pp 39.5% 67.5% 41.4% 90%
1-4 Family 4.2%
-0.9pp YoY
0.0pp QoQ
 -28.4pp 32.6% 16.5% 31.3% 4%
Consumer 0.6%
+0.2pp YoY
+0.2pp QoQ
 -3.5pp 4.1% 5.3% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 11.8%
+1.6pp YoY
+0.2pp QoQ
 -7.1pp 18.8% 23.7% 19.7% 14%
Leverage Ratio 11.8%
+1.2pp YoY
+0.1pp QoQ
 -0.4pp 12.2% 14.5% 12.6% 63%
Total Capital Ratio 13.0%
+1.6pp YoY
+0.2pp QoQ
 -6.9pp 19.9% 25.1% 20.8% 16%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 86
+8 (+10.3%) YoY
+6 (+7.5%) QoQ
 +27 58 337 482 81%
Assets per Employee ($) $9.6M
-0.1% YoY
-5.0% QoQ
 +$2.0M $7.5M $11.3M $8.8M 83%
Branch Count 4
0 YoY
0 QoQ
 -1 4 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.5%
+0.1pp YoY
+0.4pp QoQ
 -0.5pp 0.9% 1.4% 1.0% 51%
Allowance Coverage 3.64x
-15.0% YoY
-91.0% QoQ
 -20.51x 24.15x 17.11x 20.23x 63%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
 -0.2pp 0.1% 0.3% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 9.4%
+0.6pp YoY
+1.0pp QoQ
 -2.8pp 12.2% 8.2% 11.6% 32%
Cost of Funds (YTD) 1.7%
-0.4pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.9% 1.7% 51%
Net Income ($, YTD) $4.1M
+28.2% YoY
— QoQ
 +$1.6M $2.6M $28.5M $40.4M 82%

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
#159 of 278 • Top 56.8% 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: 36.56%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.68%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Strain

risk
#149 of 691 • Bottom 21.4% 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: 90.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#237 of 936 • Bottom 25.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#397 of 1256 • Bottom 31.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.46%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

104
Total Loans
size
Value: $653.91M
Peer Median: $258.35M
#104 of 2643 Top 3.9% in $100M-$1B
137
Total Deposits
size
Value: $725.05M
Peer Median: $326.73M
#137 of 2643 Top 5.1% in $100M-$1B
184
Total Assets
size
Value: $822.66M
Peer Median: $386.57M
#184 of 2643 Top 6.9% in $100M-$1B
210
Non-Interest-Bearing Deposit Share
funding
Value: 36.56%
Peer Median: 22.03%
#210 of 2643 Top 7.9% in $100M-$1B
392
Net Interest Margin
profitability
Value: 4.68%
Peer Median: 3.99%
#392 of 2643 Top 14.8% in $100M-$1B

Top Weaknesses (1 metrics)

2109
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2109 of 2643 Bottom 20.2% in $100M-$1B
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