Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Good (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 10.6. A current level of 2.5 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Comm re (44%), comm loans (23%), cash (12%), home mtgs (4%), securities (3%), consumer loans (0%), other (13%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Endeavor Bancorp
Investment Rating
Address
750 B Street
San Diego, CA 92101
San Diego, CA 92101
Phone Number
(619) 329-6565
Year Founded
2018
FDIC Number
Website
Largest Affiliates
No affiliate information available.