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Endeavor Bank

IDRSSD: 5192496
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2023-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #5192496 2023-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -1
75
Sub-score

Liquidity is stable: brokered 26.6%, loans/deposits 84.7%, cash 21.8% of assets.

Cash / Assets
21.80%
Loans / Deposits
84.72%
Brokered %
26.56%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.18%
No watch items at this period.

Capitalization

StableQoQ -5
75
Sub-score

Capital position is stable: Tier 1 RBC 10.92%, CET1 10.92%, leverage 10.11%.

Tier 1 RBC
10.92%
CET1
10.92%
Leverage
10.11%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 2.9%, NCO YTD 0.75%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
0.75%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.36%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
96
Sub-score

Reserves are strong: ALLL 1.37% of loans, coverage 324.2%, true coverage 324.2%.

ALLL / Loans
1.37%
Coverage
324.2%
True Loss Coverage
324.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 11:04:52 UTC