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
Unfavorable gap of $21.1M · efficiency ratio beats 71% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.60% | 1.01% | 1.45% | Beats 49% | 320 / 629 | | |
| Return on Equity | 8.82% | 5.38% | 9.30% | 13.28% | Beats 46% | 342 / 629 | | |
| Net Interest Margin | 4.54% | 3.03% | 3.54% | 4.05% | Beats 90% | 61 / 629 | | |
| Efficiency Ratio | 60.43% | 58.35% | 67.79% | 79.08% | Beats 71% | 186 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.45% | 0.09% | 0.46% | 1.20% | Beats 50% | 290 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.24% | 13.84% | 18.77% | Beats 31% | 436 / 629 | | |
| Total Risk-Based Capital Ratio | 13.02% | 11.58% | 14.43% | 19.66% | Beats 39% | 385 / 629 | | |
| Equity / Assets | 11.39% | 9.09% | 10.65% | 13.80% | Beats 58% | 263 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.69% | 67.24% | 80.90% | 93.48% | 73rd pctl | 163 / 594 | | |
| Loans / Assets | 80.81% | 53.31% | 67.71% | 78.15% | 83rd pctl | 108 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |