Endeavor Bank
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Data as of · sourced from FFIEC call reports. How we update
Endeavor Bank is an FDIC-insured commercial bank headquartered in San Diego, CA, established in 2018 (FDIC certificate 59099), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $822.7M, up 10.2% from Q2 2025, the 67th largest of 113 banks headquartered in California. Its CET1 capital ratio was 11.76% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59099
- Headquarters
- San Diego, CA
- Established
- 2018
- Total assets, Q2 2026
- $822.7M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 11.76%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 122245235
- Holding company
- ENDEAVOR BANCORP
- Asset rank in state
- 67th of 113 in California
Problem loans are rising at Endeavor Bank. Based in San Diego, California, it had $823 million in assets at June 30, 2026, up 10.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.45% of loans from 0.08% a year earlier. It holds common equity equal to 11.76% of its risk-weighted assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). On the other hand, it keeps 4.64 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $2.3 million, 57% above the same quarter a year earlier. Its $194 million commercial and industrial book is improving, with 0.35% past due or on nonaccrual, down from 3.56% a year earlier. One more trend to watch: delinquency has appeared in its $70 million multifamily book: 3.32% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Endeavor Bank reported a CET1 capital ratio of 11.76%, a return on assets of 1.18%, a nonperforming-loan ratio of 0.45% and a Texas ratio of 2.87%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Endeavor Bank is the 67th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $822.7M, loans rose 0.7% and deposits rose 2.2%. Owner-occupied commercial real estate loans made up 36.6% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 29.2%. Its 2 offices in the FDIC Summary of Deposits are in San Diego, CA and La Mesa, CA; its San Diego office books 74% of its branch deposits. Judged on its Q2 2026 call report, Endeavor Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 750 B St, San Diego, CA 92101
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 22, 2018
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 86
- Domestic deposits
- $725.1M
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- -$52K
- Average total assets
- $794.6M
- Average total loans
- $659.7M
- Average interest-bearing deposits
- $465.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 22, 2018
- FDIC Cert
- 59099
- Fed RSSD
- 5192496
- SEC CIK
- 1917599 → filed by ENDEAVOR BANCORP
- Website
- www.endeavor.bank →
- Parent Holding Company
- ENDEAVOR BANCORP (RSSD 5718627) · EDVR
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Endeavor Bank's total assets ran between $553.8M (Q3 2023) and $822.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$822.7M total assets against $746.5M; $729.0M total liabilities against $671.1M.
$653.9M net loans and leases against $617.4M; $725.1M total deposits against $667.8M.
$32.1M securities against $25.3M; $118.4M cash and balances due against $87.4M.
$12.4M total interest income against $11.6M; $3.3M total interest expense against $3.7M.
$9.1M net interest income against $7.9M.
$357K total noninterest income against $275K; $5.5M total noninterest expense against $5.2M.
$651K provision for credit losses against $799K.
$2.3M net income against $1.5M.
1.18% return on assets against 0.84%; 4.64% net interest margin against 4.48%.
11.76% CET1 capital ratio against 10.20%; 11.81% tier 1 leverage ratio against 10.61%.
Inside the full Endeavor Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Endeavor Bank rankings
Its closest position to the top of a national ranking is 1,218 of 4,196, for total assets; its furthest is 1,790 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.83% (Q3 2024) to 1.18% (Q2 2026) and its net interest margin ran from 4.19% (Q3 2024) to 4.67% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | 1.18% | 0.45% | 2.87% | 4.64% |
| Q1 2026 | 11.60% | 0.92% | 0.04% | 0.25% | 4.67% |
| Q4 2025 | 10.36% | 1.07% | 0.17% | 0.36% | 4.51% |
| Q3 2025 | 10.32% | 1.11% | 0.21% | 0.61% | 4.39% |
| Q2 2025 | 10.20% | 0.84% | 0.32% | 0.62% | 4.48% |
| Q1 2025 | 10.47% | 0.99% | 0.40% | 0.74% | 4.34% |
| Q4 2024 | 10.71% | 0.90% | 0.50% | 1.30% | 4.29% |
| Q3 2024 | 10.95% | 0.83% | 1.22% | 8.39% | 4.19% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Endeavor Bank (main office) | San Diego , CA | 92101 | $538.8M |
| La Mesa Branch | La Mesa , CA | 91941 | $186.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 94 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $4.3M approved, $2.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Endeavor Bank
What are Endeavor Bank's total assets?
As of the Q2 2026 filing, Endeavor Bank reported total assets of $822.7 million in its FFIEC call report.
Where is Endeavor Bank headquartered?
It is headquartered in San Diego, CA, United States.
When was Endeavor Bank founded?
It was established in 2018, per the FDIC institution directory.
Is Endeavor Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59099). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Endeavor Bank?
Endeavor Bank's primary federal regulator is the FDIC.
What is Endeavor Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Endeavor Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Endeavor Bank's Texas Ratio?
Its Texas Ratio is 2.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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