| Metric | Endeavor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +8.6% | +4.3% | +4.2 pts |
| Loan growth (YoY) | +5.9% | +5.3% | +0.6 pts |
| ROA | 1.03% | 1.28% | -0.2 pts |
| ROE | 9.4% | 12.4% | -3.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $822.7M | $725.1M | $653.9M | $93.7M | $4.1M | 1.03% | 4.68% | 0.36% |
| Q1 2026 | $805.3M | $709.4M | $650.2M | $91.3M | $1.8M | 0.91% | 4.70% | 0.03% |
| Q4 2025 | $769.9M | $683.2M | $634.0M | $79.4M | $7.4M | 1.01% | 4.52% | 0.15% |
| Q3 2025 | $759.7M | $678.5M | $623.7M | $77.2M | $5.3M | 0.98% | 4.48% | 0.17% |
| Q2 2025 | $746.5M | $667.8M | $617.4M | $75.5M | $3.2M | 0.91% | 4.46% | 0.27% |
| Q1 2025 | $704.4M | $626.7M | $589.7M | $73.8M | $1.7M | 1.00% | 4.45% | 0.34% |
| Q4 2024 | $677.7M | $602.1M | $564.0M | $71.8M | $4.6M | 0.75% | 4.12% | 0.42% |
| Q3 2024 | $654.9M | $578.8M | $531.0M | $70.7M | $3.1M | 0.70% | 4.04% | 1.00% |
Loan mix (Q2 2026): real estate $460.1M · commercial $194.0M · consumer $3.7M · securities $32.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Endeavor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 12.4% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.68% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 61.2% | 48th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Endeavor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Endeavor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Endeavor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Endeavor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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