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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Endeavor Bank

San Diego, California · $823M in assets · beside the 11 other California banks between $300M and $1B

The filing

28.4%
CRE / loans
1st of 12
181.9%
CRE / capital
2nd of 12
+6.2%
Loans, year over year
4th of 12, largest first

Endeavor Bank is the seventh largest of the 12 California banks nearest its size between $300M and $1B, with $823M in assets at 30 June 2026. Loans are 91.7% of deposits, 8th of 12 against a median of 90.1%, and equity is 11.4% of assets, 5th of 12. Loans grew +6.2% in the year, 4th of 12, and deposits grew 8.6%; the cohort's median loan growth is +4.7%.

Noncurrent loans are 0.45% of the book, 7th of 12 against a median of 0.35%; 0.00% is 30 to 89 days past due, and the allowance covers them 3.6 times. Commercial real estate is 28.4% of loans, the lowest in the cohort against a median of 50.9%, and 182% of capital, below the 300% screen, with construction at 28% against the 100% screen.

Return on assets is 1.04%, 5th of 12 against a median of 0.86%, on an efficiency ratio of 60.4%, 4th of 11. Five years ago it was 0.81%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 50.9% EB Endeavor Bank 28.4% Bo Bank of San Francisco 31.9% MV Mission Valley Bank 34.1% FC First Commercial Bank USA 45.3% PB Pinnacle Bank 46.6% RV River Valley Community Bank 50.8% NB Nano Banc 50.9% SS Summit State Bank 53.5% BC Bac Community Bank 57.1% CN C3bank National Association 60.4% GI GBC International Bank 62.7% AP American Plus Bank N A 83.2%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +4.7% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% GI GBC International Bank +2.4% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

Endeavor Bank is the 199th largest 7(a) lender into California of 512, with $14M across 9 loans, 0.0% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). Every market on its book has had an approval since FY2023.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
San Diego, CA$7M82nd of 2380.1%+0.5 pts
San Bernardino, CA$3M104th of 2130.1%thin
Ventura, CA$3M76th of 1590.3%thin
Missoula, MT$2M16th of 551.6%thin
Dallas, TX$350K274th of 3140.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services2$6M35.8%0.01%748th of 2,596
Transportation & warehousing1$3M20.4%0.03%417th of 1,563
Construction1$3M19.6%0.01%728th of 2,063
Wholesale trade1$1M6.1%0.00%889th of 1,651
Health care & social assistance1$973K6.0%0.00%1188th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Endeavor Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans EB Endeavor Bank 0.0% $14M · 9 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Endeavor BankRankCohort median
Total CRE against capital, the 300% screen182%2nd of 12271%
Construction against capital, the 100% screen28%9th of 1216%
Construction and land development, share of loans4.4%8th of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans13.4%1st of 1238.1%
Total CRE, the guidance definition, share of loans28.4%1st of 1250.9%
CRE growth over 36 months, the third prong+45.3%9th of 12+6.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
GBC International Bank$658M1.1%62.2%0.26%0.03%1.1%90.5%16.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Endeavor BankCohort median
20212026Change20212026Change
Loans$364M$665M+82%$490M$616M+26%
Deposits$269M$725M+170%$577M$715M+24%
NPA / loans0.00%0.45%+0.45 pts0.06%0.35%+0.29 pts
Efficiency61.0%60.4%-0.6 pts56.2%64.0%+7.8 pts
ROA0.81%1.04%+0.23 pts1.08%0.86%-0.22 pts

This read was prepared for Endeavor Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Endeavor Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.endeavor.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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