FDIC Cert #59099 · San Diego, California · Est. 2018

Endeavor Bank - FDIC Bank Health Profile

A community-scale look at Endeavor Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$770M
Total assets
B
Health grade · Good
1.01%
Return on assets
10.4%
Tier 1 capital

Data updated July 2026

The verdict

Endeavor Bank earns a PlainBankData health grade of B (76/100), with well-capitalized at 10.36% Tier 1, profitable at 1.01% ROA, 62% efficiency ratio.

#1,298
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
10.36%
Tier 1 ratio - above the 10% well-capitalized line
44th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 59099 · CA B · 76/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (76/100)
  • MID-PACK #2449/4307
  • PHOTO-FINISH Oakworth Capital Bank · AL
  • TIER1-WELL 10.4% Tier 1
  • TEXAS-CLEAN 1.3% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Oakworth Capital Bank, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Endeavor Bank

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Access Bank · NE · near76/100Endeavor Bank · CA · this ba…76/100First Cahawba Bank · AL · ne…76/100Intracoastal Bank · FL · near76/100Oakworth Capital Bank · AL ·…76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Endeavor Bank · July 2026

Call Report read for Endeavor Bank in a high-failure state

Endeavor Bank (FDIC Cert #59099) carries a PlainBankData health grade of B at 76/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,449 of 4,307. Tier 1 capital prints at 10.36%, clearing the 10% well-capitalized line. The Texas Ratio is 1.26%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $770M, 1,298th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Oakworth Capital Bank (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Endeavor Bank

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Endeavor Bank sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Endeavor Bank's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Endeavor Bank's 76/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10076/100
Endeavor Bank's composite health score
Tier 1 Capital Ratio (10.36%) 28/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (1.26%) 20/20
Efficiency Ratio (62.09%) 8/15

76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$770M

Total balance-sheet footings

Total Deposits

$683M

Customer-funded liabilities

Net Loans

$634M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.96% 10.36% 11.76%
Basel III capital ratios - Endeavor Bank

Where Endeavor Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Endeavor Bank's score of 76/100 falls in the highlighted band.

Endeavor Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

76 43rd percentile higher than 43% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Endeavor Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Endeavor Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Endeavor Bank's $770M falls in the highlighted band.

Capital & credit buffers at Endeavor Bank

Tier 1 capital ratio
Well-capitalized 10%

10.36% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.36%
Texas Ratio
1.26%
Equity Capital
$79M

What these ratios mean →

Earnings posture at Endeavor Bank

Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
9.79%
Efficiency Ratio
62.09%

What these mean →

Income & expense at Endeavor Bank

$47M
Interest Income
$1M
Non-Interest Income
$21M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Endeavor Bank reports a Texas Ratio of 1.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Endeavor Bank on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($770M here), outside California so the neighborhood is not state containment.

Schertz Bank & Trust $770M · TX Decorah Bank & Trust Company $771M · IA Reliabank Dakota $772M · SD Home State Bank $768M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Endeavor Bank (FDIC Cert #59099) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Endeavor Bank Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%