# ENDEAVOR BANK
SAN DIEGO, CA · FDIC certificate 59099 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $822.7M | |
| Deposits | $725.1M | |
| Loans and leases | $664.8M | |
| Total equity | $93.7M | |
| Loans / deposits | 90.19% (p71 of band) | 82.04% |
| Liquid assets / assets | 18.29% (p26 of band) | |
| Uninsured deposits / deposits | 43.94% (p91 of band) | 25.97% |
| Brokered deposits | 10.90% | |
| Wholesale funding | 10.90% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.81% (p67 of band) | 10.81% |
| Unrealized securities loss / equity | -0.20% (p94 of band) | -8.10% |
| AOCI / equity | -0.19% (p60 of band) | |
| ROA (annualized) | 1.03% (p34 of band) | 1.28% |
| Net interest margin | 4.68% (p87 of band) | 3.91% |
| Efficiency ratio | 60.43% (p47 of band) | |
| Noncurrent loans | 0.45% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 363.85% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 31.24% (p38 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-03 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 5 | capital falling |  |
| 2018-12 | 4 |  | uninsured deposits >50% |
| 2019-03 | 3 |  | NIM <2.5% |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | uninsured deposits >50% |  |
| 2019-12 | 5 | run vulnerability |  |
| 2020-03 | 4 |  | capital falling |
| 2020-06 | 5 | loans exceed deposits, wholesale funding >15% | run vulnerability |
| 2020-09 | 4 | run vulnerability | losing money, expense ratio p90 |
| 2020-12 | 3 |  | run vulnerability |
| 2021-03 | 4 | capital falling |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 1 |  | loans exceed deposits, wholesale funding >15% |
| 2022-03 | 5 | loans exceed deposits, capital falling, run vulnerability, assets shrinking |  |
| 2022-06 | 1 |  | loans exceed deposits, capital falling, run vulnerability, assets shrinking |
| 2022-09 | 2 | run vulnerability |  |
| 2022-12 | 2 | capital falling | run vulnerability |
| 2023-03 | 4 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | uninsured deposits >50% |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | charge-offs p90 |  |
| 2024-03 | 2 |  | capital falling, uninsured deposits leaving, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 1 |  | wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-19 [Endeavor Bancorp to Present at the Banking Virtual Investor Conference March 26th - Yahoo Finance](https://news.google.com/rss/articles/CBMiqAFBVV95cUxORm9jdEpuNG5LSnY0enBOTU81eEE0RFh1TzRMMnJiM2R0eE9MWlQxV2xlNlUyYktldzFwNXR5cFlyWVdsbkJRZnJpR1FpeTJoUVptU3hKS1FOaTBPRnRLM2llelY3ZWlUQW9MdmdwbmtNOThuZFNYTEZwNEFMXzNxUU51YUlvZEVaUk9xazlKdlFjY3A4RklHRzJpMkxPdWZVRG1JOXNUcUw?oc=5) · Yahoo Finance
- 2018-01-24 [Endeavor, First New San Diego-Based Bank in 10 Years, Makes Debut - NBC 7 San Diego](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTTZyM2kwSHlYWFY0ODExeURsRmxxSldlRHdlZGRURVA0RzllZjVIUVVVZWZqeER1TG1GQWFha0NHYzhiLWYtSGFEblc2UUcyLWs0bS1OLWZRajd0M3BzYzRfd3pNRldva3JBLU4xV204enAxMzRZS3NGdk1wRV9wSnpPTEhzTnpBUkdsNHZ5d9IBlwFBVV95cUxPQjNvZWZEVGtkZ0laMzJFT2FIN2duQ2pRZ1YyckFYeGRVUmRGeTBMZHJEUTE4S2I5bTl1YW41UzNpaldkZUNkQlRUVTItMGRJaTlRaXVfeFltQmpESTg2VmowMUg3di1mVXpJVlNPRUl5SnFQMjZCNFlWZl8tYjR1UEtYSmdKdHA2LUZYS2s0b3Y1VUcxcXMw?oc=5) · NBC 7 San Diego
- 2018-01-17 [San Diego de novo bank sets opening date - American Banker](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbmt4ejk0dXpvbWFkZ1hON2RtTHJWUUducVl5QXpHWHlFOUxqcHc0YkxHOGFsN25UdXRIX2lRQmw0QXVEbk1TN0hQMGszWmdlcG5BTGRzSWJuR2NyRnlXcmxwZG5yR1BEUkhoaERYbGM1UmxxcVRWVExkczBRZGRCUnBR?oc=5) · American Banker
- 2020-10-22 [Endeavor Bank Names New Chief Operations Officer, Chief Banking Officer, and Director of Community Relations - Business Wire](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPQ3NCc0pWRVBraHl3SzJKOE12ZGRpOFVBTlhlbkdzM2Nzem8xcVdvcURfUkJpR3BuVE5xbjlUbWpRay0tdmEzdEFoMDZkZ2RkbFk3dDdxRm1fbHByTTR2ZEhTU3h6ZGFRbFptd2ZWczRpVGZyWDlOMzRxT0tFZEdmMjJqT1NyMWJMbU9jcGp6ZXJGNEZaLVpYU0hkZ3dSQkNBZTdkQ2g4QWItMWxRTUMxRmZQX0hKcXBqRHNKMEdYakdobUtQMXBLX0lFTjAyY3drUEpMR1dJUW5LOGhtZzFpM3RocmlHTUFEYkNvTkVZVjhkVDZSeHc?oc=5) · Business Wire
- 2025-04-25 [ENDEAVOR BK (EDVR) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5iVURQWmZwcnZTQ0VOMjhybWV2dGlCcjBhVHEyM0RvODgwa0VLMzJralJESWtidGZXdDB2TVlMZVhybDdPS2FVN0pLZVJOVEVseUM4?oc=5) · stocktitan.net
- 2022-02-17 [Rebecca Humphries Elected Board Chair of Small Business Nonprofit - Times of San Diego](https://news.google.com/rss/articles/CBMitAFBVV95cUxOOWZoQlMyWWlIUWkwV0VJSVlCcHpId3BzS3F3ZVRsVFRibUI3OW9GdEkzWml3MU9pTHdyeTZaNDlBZGRiZjZJQUsyQkRXR3hTczdfdFdkVVNoSFhaYjh1ZWg0TWs3REIxSnNhUVVqTzNDdDRHWnZsQm5xbDJIdW9qQVh5UjliNGhNUVhWc3NISjJfVTVYcFcwdlFidE1YU1AxTUtjcThNX0tnQ0hfVjI0WjlwT3o?oc=5) · Times of San Diego
- 2025-05-20 [Top 100 Bankers | Event Recap - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEpRRWhGbmxZUzREc1RYRk91Y3NKU1g2YUM1MzJmanJidHhKUDI2dVQwbDRJQldVX3J1dFNZUkl1U0lHdXlIb3Qydk5hbTd5RnExSHk1MUQ4allxVjU4VFUtTExvUnJaN3h4S1Roa3JGNGI0Q0hNaUxXYW0xQjUxU2gxenh4eEcxcHZaSGc5cW4zWU5VeUZod016SDRUSmZRR2c?oc=5) · Los Angeles Business Journal
- 2022-02-17 [Rebecca Humphries, Senior Vice President at Endeavor Bank, Elected as Chairperson of California Southern Small Business Development Corporation - Business Wire](https://news.google.com/rss/articles/CBMipAJBVV95cUxPYnZ4aFc4T29FZ283YW9EUTRyLXJvc1p3SDV3ZC1BeFZKRTZWbkh0dDlYQjFtN0xwYzI3WjBrZE5scWNQOWxJT1YyQ1FnQmR3UlN4T1VIRkQ2NlpPWDBfajdnNHlZMGxOTjFCYWVzbGw4T2M2RkZjaXI5NEtQTFFKYmNIbnhrdE9PMXRrT2drYnI1djBXWWJtZnk2T1VOTUFWcldHUENUQ29iWlZwRFZqVUNZTXZ0X0M5bllqQVE5T0RzNGhOWVdpYkV2MDJJVVdKdXVSVlhPanhYU0Fqc1NVS01tcEwwandhUmtwZDdNTGgyZ3NXd0VDZGJWMUVNVnpueExzcFYwb3lFaV9Wd0dzS1dSQ2JHY01sREpWMUxNbDdnSkc1?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59099 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/27.json (key "59099", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide