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2026-04-17
Events
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Endeavor Bancorp recently participated in the Banking Virtual Investor Conference, where CEO Dan Yates, President Steve Sefton, and CFO Julie Glance shared the Bank’s 2025 performance, capital strategy, and long-term growth outlook with investors.
Endeavor Bancorp recently participated in the Banking Virtual Investor Conference, where CEO Dan Yates, President Steve Sefton, and CFO Julie Glance shared the Bank’s 2025 performance, capital strategy, and long-term growth outlook with investors.
The presentation highlighted Endeavor’s continued momentum as the Bank advances toward its goal of $1 billion in assets.
Built for Disciplined Growth
Founded in 2018, Endeavor Bank was created to serve owner-managed businesses across Southern California with a consultative, relationship-driven approach to banking.
As Steve Sefton shared during the presentation, reaching $1 billion in assets within 10 years has been the Bank's "North Star" since inception, and Endeavor remains on track to achieve it through steady, organic growth.
2025 Performance Highlights
During the conference, Endeavor's leadership team shared several key metrics from 2025, including:
- $770 million in assets at year-end 2025
- More than $800 million in assets today
- Approximately 15% average annual asset growth
- 94% loan-to-deposit ratio
- 82% of total assets in net loans
- $8.3 million in pre-tax net income
Leadership also discussed continued improvement in net interest margin, supported by disciplined pricing and a strong focus on relationship-based business.
Focused on Operating Companies
A major theme throughout the presentation was Endeavor's continued focus on serving operating companies.
The Bank's loan portfolio remains concentrated in commercial and industrial lending and owner-occupied commercial real estate, reflecting Endeavor's long-standing focus on closely held companies and their leadership teams.
That approach is central to Endeavor's consultative banking model, helping business owners navigate growth, liquidity, and long-term planning with a banker who understands their business.
Supporting Growth with Capital and Expansion
The presentation also highlighted Endeavor's recently completed $10 million capital raise, which exceeded its original $8 million target.
Leadership shared that the raise strengthens the Bank's ability to support continued growth, maintain strong capital ratios, and increase lending capacity as the balance sheet expands.
Endeavor also discussed continued growth beyond San Diego, particularly in the Inland Empire, San Gabriel Valley, and broader Greater Los Angeles market. The Bank's Northern Division has already grown to more than $100 million in assets, with a future loan production office in Riverside discussed as a likely next step.
Looking Ahead
The presentation reinforced what has defined Endeavor since the beginning: disciplined growth, strong credit culture, and a long-term commitment to serving Southern California businesses well.
As the Bank continues building toward its next milestone, the strategy remains the same: stay focused, grow responsibly, and keep delivering relationship-driven banking to business owners across the region.
Watch the replay of the conference here.