Endeavor Bancorp Shares its Growth and Vision at Financial Services Virtual Investor Conference

Endeavor Bancorp recently participated in the Financial Services Virtual Investor Conference, hosted by OTC Markets. The Conference was an opportunity to share Endeavor’s story and results with a broader audience. President Steve Sefton and Chief Financial Officer Julie Given-Glance shared the Bank’s performance highlights, technology initiatives and long-term vision with investors.

Founded in 2018, Endeavor was built by experienced bankers and over 500 local investors to serve owner-managed companies — businesses with $5 million to $100 million in annual revenue that value relationship banking and personalized service. This focus, combined with our “meat and potatoes” approach backed by modern technology, continues to drive growth and strengthen client relationships.

Disciplined Growth and Financial Strength

Our team shared that Endeavor has grown to more than $750 million in assets by mid-2025, reflecting steady annual growth of 11 to 19% over the past three years and nearly 20% annualized growth this year. About 84% of total assets are client loans, supporting Southern California’s business community directly rather than relying on speculative real estate lending.

Additional financial highlights we shared during the conference include:

• Deposit growth averaging 15% annually, focused on core client deposits.
• Loan-to-deposit ratio at a healthy 94%, balancing profitability and liquidity.
• Net interest margin rising steadily, reaching 4.17% in Q2 2025.
• Pre-tax net income tracking toward $7 million this year.
• Stock price now trading above tangible book value, reflecting growing investor confidence.

Investing in People and Technology

Endeavor continues to grow its leadership team and expand its reach. A newly established Northern Division in the Inland Empire and Los Angeles has already exceeded expectations, generating nearly double the revenue compared to staffing costs.

At the same time, our Bank is investing in technology and innovation. Our adoption of platforms such as Encino with Salesforce integration and the launch of an AI initiative are improving efficiency and client service. For example, AI-generated proposals now cut turnaround time from days to hours, helping our team serve clients faster and more effectively.

Looking Ahead: The Billion-Dollar Vision

Endeavor is run using the Entrepreneurial Operating System (EOS), which guides our long-term strategy. Our 10-year target: Reaching $1 billion in assets by 2028. We remain on track to achieve this goal by continuing to grow responsibly, prioritize credit quality, and deepen client relationships.

As President Steve Sefton explained, “Every time the phone rings, it’s often a million-dollar depositor on the line. That’s the unique power of our model — and also why discipline in risk management and technology investment is so important.”

That vision continues to guide everything we do — supporting owner-managed companies, investing in innovation, and growing responsibly.

Watch the replay of the conference here.