Endeavor Bank


750 B Street Suite 3110
San Diego, CA 92101
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.30% 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Endeavor Bank is an FDIC insured institution located in San Diego, CA. It was founded in 2018 and has approximately $0.46 billion in assets.

FDIC Insured Yes
FDIC Certificate # 59099
Date Established 2018
Assets $ 463.86 million
Loans $ 360.96 million
Deposits $ 269.03 million
Capital $ 29.74 million

For a more detailed analysis of Endeavor Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.30% $100,000 $199,999 Learn More
18 Mo CD
0.30% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $99 Learn MoreShow Less
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Endeavor Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.166% 3.125%
0.50 points
$1,312 fees
$1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Endeavor Bank
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Climate Initiatives

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Financial Details

Endeavor Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Endeavor Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Endeavor Bank U.S. Bank Average
0% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Endeavor Bank had $1,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $29,744,000 in equity and $3,395,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Endeavor Bank U.S. Bank Average
14.44% 11.29%

Endeavor Bank has a Return on Equity of 14.44% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Endeavor Bank U.S. Bank Average
6.41% 11.72%

Endeavor Bank has a Capitalization of 6.41% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Endeavor Bank Balance Sheet Analysis

As of June 30, 2021, Endeavor Bank had assets of $463,855,000, loans of $360,964,000, and deposits of $269,026,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 98.22 million
Interest-bearing balances $ 96.15 million
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 360.96 million
Loan loss allowance $ 3.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.40 million
     Total Assets $ 434.11 million
Total deposits $ 269.03 million
      Interest-bearing deposits $ 95.18 million
      Deposits held in domestic offices $ 269.03 million
      % insured (estimated) 37.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 162.36 million
Subordinated debt N.A.
All other liabilities $ 2.72 million
      Total Liabilities $ 434.11 million
      Shareholders’ Equity $ 29.74 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 7.86 million
Total Interest Expense $ 0.38 million
Net interest income $ 7.48 million
Provision for loan and lease losses $ 0.31 million
Total non interest income $ 0.23 million
Total non interest expense $ 4.70 million
Pre-tax Net Operating Income $ 2.70 million

Bank Loan Profile?

The top three loan types in Endeavor Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in California, Endeavor Bank has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 4.76
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 2.74
Construction and Development Loans 3.00
Commercial Real Estate 30.37
Commercial and Industrial Loans 60.16
Farm Loans 0.00

Frequently Asked Questions About Endeavor Bank

Branches and Savings

Is Endeavor Bank FDIC insured?

Yes. It is covered under FDIC Certificate #59099.

Why does Endeavor Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Endeavor Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Endeavor Bank a commercial bank?


Where are Endeavor Bank locations?

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Is Endeavor Bank open on Saturdays?

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Are Endeavor Bank ATMs Open 24/7?

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Will Endeavor Bank notarize my document?

What address for Endeavor Bank should I put for incoming ACH transfers?

Will the Endeavor Bank branch print checks?

Do Endeavor Bank checks expire?

Does Endeavor Bank require US citizenship to open account?

Can Endeavor Bank close my account?

Does Endeavor Bank Report to credit bureaus?

Does Endeavor Bank Use Equifax?

What is Endeavor Bank's ACH Routing Number?

What is Endeavor Bank's SWIFT code?


Does Endeavor Bank offer mortgages?

Compare mortgage rates here.

Does Endeavor Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Endeavor Bank offer personal loans?

Compare personal loan rates here.

Does Endeavor Bank offer student loans?

Will Endeavor Bank cash a check?

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Background on The Bank

Who owns Endeavor Bank?

How long has Endeavor Bank been around?

Can Endeavor Bank transfer to other banks?

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Will Endeavor Bank accept loose change?

Where is Endeavor Bank headquarters?

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