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Endeavor Bank

San Diego, CA · Cert 59099 · Endeavor Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

43

Q2 2024Q2 2026peer median (50)

Asset Quality

75

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

71

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Endeavor Bank

San Diego, CA · Cert 59099 · Endeavor Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$822.7MAssets
$664.8MLoans
$725.1MDeposits
$93.7MEquity
Loan mix
68%RE $442.9M32%C&I $207.1M0%Consumer $2.7MQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $460.0M37%Noninterest $265.1MQ2 2025Q2 2026

NIM

5.99%Q2 ’246.39%Q2 ’256.20%Q2 ’26+14%+5%

Non-interest income vs. expense

2.78%Q2 ’242.84%Q2 ’252.88%Q2 ’26+4%-2%

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.5% share · #19 of 42 inst. · $0.7B of $135.0B

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.45% of loans (+13 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 11.81%, up 121 bps from a year ago.
  • Funding: loans stand at 91.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+12 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+22 bps YoY

Efficiency Ratio (YTD, annualized)

60.43%-336 bps YoY

Tier 1 Leverage Ratio

11.81%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.91%0.98%1.01%0.91%1.03%+12 bps
Return on Equity8.75%9.52%9.79%8.40%9.37%+63 bps
Net Interest Margin4.32%4.15%4.17%4.59%4.54%+22 bps
Efficiency Ratio63.80%62.61%62.09%62.67%60.43%-336 bps
Non-Interest Burden2.71%2.54%2.52%2.78%2.66%-5 bps
Growth
Asset Growth (YoY)25.78%16.01%13.61%14.33%10.20%-1,559 bps
Loan Growth (YoY)29.48%17.48%12.52%10.46%6.22%-2,326 bps
Deposit Growth (YoY)28.38%17.23%13.47%13.20%8.57%-1,981 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.21%0.17%0.04%0.45%+13 bps
Net Charge-Offs / Loans0.13%0.09%0.09%0.00%-0.02%-15 bps
Allowance / Loans1.36%1.41%1.46%1.55%1.64%+28 bps
Allowance Coverage of NPLs4.3x6.7x8.4x40.2x3.6x-0.6x
Capital
Tier 1 Leverage Ratio10.61%10.15%10.25%11.72%11.81%+121 bps
Total Risk-Based Capital11.38%11.54%11.61%12.85%13.02%+164 bps
Equity / Assets10.11%10.16%10.31%11.34%11.39%+128 bps
Liquidity & Funding
Loans / Deposits93.72%93.23%94.17%93.09%91.69%-203 bps
Liquid Assets / Assets10.70%11.38%11.33%12.74%12.83%+212 bps
CRE / Total Capitaln/a544%518%454%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Endeavor Bank

San Diego, CA · Cert 59099 · Peer group: banks under $1B in assets (n=581-629) · Endeavor Bcorp

State charter, non-member · FDIC · 2 branches

Q2 2026

$822.7MAssets
$664.8MLoans
$725.1MDeposits
$93.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: tier 1 capital ratio trails 69% of banks under $1B in assets (rank 436 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 320 of 629

Net Interest Margin

4.54%

Rank 61 of 629

Efficiency Ratio

60.43%

Rank 186 of 629

Equity / Assets

11.39%

Rank 263 of 629

Non-interest income vs. expense

$1.7M$22.9MINCOMEEXPENSE
Unfavorable gap of $21.1M · efficiency ratio beats 71% of banks under $1B in assets
Bank 60.43%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.00%0.60%1.01%1.45%Beats 49%320 / 629
Return on Equity8.82%5.38%9.30%13.28%Beats 46%342 / 629
Net Interest Margin4.54%3.03%3.54%4.05%Beats 90%61 / 629
Efficiency Ratio60.43%58.35%67.79%79.08%Beats 71%186 / 629
Asset Quality
Nonperforming Loans / Loans0.45%0.09%0.46%1.20%Beats 50%290 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio11.76%11.24%13.84%18.77%Beats 31%436 / 629
Total Risk-Based Capital Ratio13.02%11.58%14.43%19.66%Beats 39%385 / 629
Equity / Assets11.39%9.09%10.65%13.80%Beats 58%263 / 629
Liquidity & Funding
Loans / Deposits91.69%67.24%80.90%93.48%73rd pctl163 / 594
Loans / Assets80.81%53.31%67.71%78.15%83rd pctl108 / 629
Brokered Deposits / Depositsn/aNot reported for this institution