Endeavor Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 11.3% higher than in Q1 2026, at $23.0M. On CET1 ratio, Endeavor Bank is 6th from the bottom among 74 California banks, 11.76% (Q2 2026). Endeavor Bank reported 11.76% on CET1 ratio for Q2 2026, 3.31 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.76% |
| Tier 1 risk-based capital ratio | 11.76% |
| Total risk-based capital ratio | 13.02% |
| Tier 1 leverage ratio | 11.81% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $93.9M |
| Tier 1 capital | $93.9M |
| Total risk-based capital | $103.9M |
| Total equity capital | $93.7M |
| Risk-weighted assets | $798.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.39% |
| Tangible equity to tangible assets | 11.39% |
| Equity capital to average assets | 11.79% |
| Internal capital growth rate | 10.23% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $35.1M |
| Common stock surplus | $35.8M |
| Retained earnings | $23.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$215K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.26% | 11.26% | 12.51% | 10.20% | $497.6M |
| Q4 2023 | 10.92% | 10.92% | 12.09% | 10.14% | $522.5M |
| Q1 2024 | 12.49% | 12.49% | 13.69% | 12.18% | $543.6M |
| Q2 2024 | 11.88% | 11.88% | 13.08% | 11.70% | $582.0M |
| Q3 2024 | 10.95% | 10.95% | 12.13% | 11.38% | $643.6M |
| Q4 2024 | 10.71% | 10.71% | 11.90% | 10.90% | $672.1M |
| Q1 2025 | 10.47% | 10.47% | 11.65% | 10.57% | $704.4M |
| Q2 2025 | 10.20% | 10.20% | 11.38% | 10.61% | $740.3M |
| Q3 2025 | 10.32% | 10.32% | 11.54% | 10.15% | $745.1M |
| Q4 2025 | 10.36% | 10.36% | 11.61% | 10.25% | $762.8M |
| Q1 2026 | 11.60% | 11.60% | 12.85% | 11.72% | $789.0M |
| Q2 2026 | 11.76% | 11.76% | 13.02% | 11.81% | $798.0M |
Endeavor Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Endeavor Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Endeavor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59099) · FFIEC NIC profile (RSSD 5192496)