San Diego, CA · Cert 59099 · Endeavor Bcorp
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.5% share · #19 of 42 inst. · $0.7B of $135.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.75% | 1.00% | 0.91% | 0.98% | 1.01% | 0.91% | 1.03% | +12 bps | |
| Return on Equity | 6.27% | 6.83% | 9.52% | 8.75% | 9.52% | 9.79% | 8.40% | 9.37% | +63 bps | |
| Net Interest Margin | 3.79% | 3.73% | 4.30% | 4.32% | 4.15% | 4.17% | 4.59% | 4.54% | +22 bps | |
| Efficiency Ratio | 67.47% | 66.87% | 63.52% | 63.80% | 62.61% | 62.09% | 62.67% | 60.43% | -336 bps | |
| Non-Interest Burden | 2.50% | 2.44% | 2.69% | 2.71% | 2.54% | 2.52% | 2.78% | 2.66% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.26% | 18.86% | 24.50% | 25.78% | 16.01% | 13.61% | 14.33% | 10.20% | -1,559 bps | |
| Loan Growth (YoY) | 29.20% | 31.07% | 34.89% | 29.48% | 17.48% | 12.52% | 10.46% | 6.22% | -2,326 bps | |
| Deposit Growth (YoY) | 17.44% | 18.56% | 26.79% | 28.38% | 17.23% | 13.47% | 13.20% | 8.57% | -1,981 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.22% | 0.50% | 0.40% | 0.32% | 0.21% | 0.17% | 0.04% | 0.45% | +13 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.13% | 0.09% | 0.09% | 0.00% | -0.02% | -15 bps | |
| Allowance / Loans | 1.39% | 1.37% | 1.36% | 1.36% | 1.41% | 1.46% | 1.55% | 1.64% | +28 bps | |
| Allowance Coverage of NPLs | 1.1x | 2.8x | 3.4x | 4.3x | 6.7x | 8.4x | 40.2x | 3.6x | -0.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.38% | 10.90% | 10.57% | 10.61% | 10.15% | 10.25% | 11.72% | 11.81% | +121 bps | |
| Total Risk-Based Capital | 12.13% | 11.90% | 11.65% | 11.38% | 11.54% | 11.61% | 12.85% | 13.02% | +164 bps | |
| Equity / Assets | 10.79% | 10.59% | 10.48% | 10.11% | 10.16% | 10.31% | 11.34% | 11.39% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.03% | 94.97% | 95.40% | 93.72% | 93.23% | 94.17% | 93.09% | 91.69% | -203 bps | |
| Liquid Assets / Assets | 13.50% | 11.30% | 10.71% | 10.70% | 11.38% | 11.33% | 12.74% | 12.83% | +212 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 544% | 518% | 454% | n/a | n/a | |