Endeavor Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 8.10 percentage points in Q2 2026, from 36.02% to 27.92%. It was the largest change from Q1 2026 among the key lines here. Endeavor Bank ranks 54th of 114 California banks on loan-to-deposit ratio, in the upper half at 91.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Endeavor Bank sits 10.86 points higher, at 91.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $664.8M |
| Net loans and leases | $653.9M |
| Loans held for sale | $0 |
| Loans to total assets | 80.81% |
| Loan-to-deposit ratio | 91.69% |
| Net loans to equity capital | 6.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.09% |
| Multifamily (5+ residential) | 10.58% |
| Commercial and industrial | 29.19% |
| Consumer | 0.56% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 201.65% |
| Construction concentration (Tier 1 capital + allowance) | 27.92% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.79% |
| Interest income on loans | $11.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $416.7M | $492.9M | 55.63% | 27.21% | 0.21% |
| Q4 2023 | $436.3M | $507.9M | 57.29% | 27.02% | 0.18% |
| Q1 2024 | $443.2M | $494.3M | 55.73% | 28.43% | 0.32% |
| Q2 2024 | $483.4M | $520.2M | 52.32% | 31.34% | 0.63% |
| Q3 2024 | $538.4M | $578.8M | 52.00% | 30.82% | 0.64% |
| Q4 2024 | $571.8M | $602.1M | 54.57% | 28.18% | 0.64% |
| Q1 2025 | $597.8M | $626.7M | 54.08% | 27.52% | 0.20% |
| Q2 2025 | $625.9M | $667.8M | 52.32% | 27.96% | 0.37% |
| Q3 2025 | $632.6M | $678.5M | 52.56% | 27.99% | 0.31% |
| Q4 2025 | $643.4M | $683.2M | 50.11% | 30.55% | 0.44% |
| Q1 2026 | $660.4M | $709.4M | 49.68% | 31.36% | 0.40% |
| Q2 2026 | $664.8M | $725.1M | 50.09% | 29.19% | 0.56% |
Endeavor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Endeavor Bank, freeSource: Call Report Schedule RC-C, 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)