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Endeavor Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -10

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

Quarterly Headline

2024-Q3

Bank #5192496 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.18%.

What changed this quarter

Compared to Q2 2024:
↓ -10 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -10
  • Asset Quality
    ↓ -15
  • Reserves
    ↓ -20

The five pillars

Liquidity

StableQoQ -1
72
Sub-score

Liquidity is stable: brokered 26.3%, loans/deposits 91.7%, cash 14.7% of assets.

Cash / Assets
14.68%
Loans / Deposits
91.74%
Brokered %
26.29%
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
0.15%
No watch items at this period.

Capitalization

StableQoQ -10
68
Sub-score

Capital position is stable: Tier 1 RBC 10.95%, CET1 10.95%, leverage 11.38%.

Tier 1 RBC
10.95%
CET1
10.95%
Leverage
11.38%
No watch items at this period.

Asset Quality

StrongQoQ -15
81
Sub-score

Asset quality is strong: Adjusted NPL 1.23%, Texas Ratio 8.4%, NCO YTD 0.00%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
0.00%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
1.18%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.18%.

Reserves

StableQoQ -20
77
Sub-score

Reserves are stable: ALLL 1.39% of loans, coverage 114.1%, true coverage 100.4%.

ALLL / Loans
1.39%
Coverage
114.1%
True Loss Coverage
100.4%
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