Endeavor Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.27 percentage points to 5.00%. Endeavor Bank ranks 16th of 114 California banks on net interest margin, in the upper half at 4.64% (Q2 2026). Endeavor Bank reported 4.64% on net interest margin for Q2 2026, 0.69 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.35% |
| Yield on loans | 6.79% |
| Yield on securities | 5.00% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.87% |
| Cost of interest-bearing deposits | 2.85% |
| Cost of interest-bearing liabilities | 2.85% |
| Cost of borrowings | 3.64% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.64% |
| Yield to cost spread | 3.50% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $11.2M |
| Total interest expense | $3.3M |
| Interest expense on deposits | $3.3M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.02% | 2.26% | 3.94% | 6.26% | 2.56% |
| Q4 2023 | 6.05% | 2.52% | 3.74% | 6.28% | 2.53% |
| Q1 2024 | 6.20% | 2.57% | 3.88% | 6.42% | 3.34% |
| Q2 2024 | 6.30% | 2.63% | 4.01% | 6.58% | 4.03% |
| Q3 2024 | 6.65% | 2.77% | 4.19% | 6.94% | 4.21% |
| Q4 2024 | 6.58% | 2.58% | 4.29% | 6.92% | 4.27% |
| Q1 2025 | 6.44% | 2.35% | 4.34% | 6.78% | 4.42% |
| Q2 2025 | 6.61% | 2.34% | 4.48% | 6.92% | 4.42% |
| Q3 2025 | 6.53% | 2.34% | 4.39% | 6.93% | 4.57% |
| Q4 2025 | 6.41% | 2.06% | 4.51% | 6.82% | 4.73% |
| Q1 2026 | 6.37% | 1.89% | 4.67% | 6.74% | 4.73% |
| Q2 2026 | 6.35% | 1.87% | 4.64% | 6.79% | 5.00% |
Endeavor Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Endeavor Bank, freeSource: Call Report Schedules RI and RC-K, 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)