BlastPoint's Banking Scorecard
Endeavor Bank
Community
Specialty: Commercial
CA
FDIC cert 59099
San Diego, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Endeavor Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 60% in Community
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$769.9M
+13.6% YoY
+1.3% QoQ
|
-$621.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$634.0M
+12.4% YoY
+1.7% QoQ
|
-$341.4M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$683.2M
+13.5% YoY
+0.7% QoQ
|
-$481.4M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.01%
+34.8% YoY
+2.8% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.52%
+9.6% YoY
+1.0% QoQ
|
+0.86% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
62.09%
-7.2% YoY
-0.8% QoQ
|
-0.54% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.18%
-65.0% YoY
-16.7% QoQ
|
-0.45% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
92.80%
-0.9% YoY
+1.0% QoQ
|
+9.74% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
32.54%
+0.9% YoY
+1.5% QoQ
|
+11.50% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-65.4% YoY
-16.5% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
10.36%
-3.3% YoY
+0.4% QoQ
|
+0.12% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.18%
+33.3% YoY
+59.7% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#90 of 150 · Top 60% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.54%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.52%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.54% · Tier avg: 21.05%
88
88th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.66%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
50
50th pctile
Efficiency Ratio
Current: 62.09% · Tier avg: 62.63%
44
44th pctile
Total Loans
Current: $634.0M · Tier avg: $975.5M
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
36
36th pctile
Total Deposits
Current: $683.2M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $769.9M · Tier avg: $1.4B
32
32th pctile
Tier 1 Capital Ratio
Current: 10.36% · Tier avg: 10.24%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.36% · Tier avg: 10.24%
33
33th pctile
Total Assets
Current: $769.9M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $683.2M · Tier avg: $1.2B
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $634.0M · Tier avg: $975.5M
50
50th pctile
Efficiency Ratio
Current: 62.09% · Tier avg: 62.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.80% · Tier avg: 83.06%
73
73th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.63%
88
88th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.66%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.54% · Tier avg: 21.05%