Endeavor Bancorp (EDVR)

Endeavor Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	39.87	32.87	24.28	17.72	17.21	10.26
Interest Income on Investments	5.79	5.79	6.26	1.22	0.15	0.15
Total Interest Income	45.66	38.66	30.53	18.94	17.36	10.41
Interest Paid on Deposits	15.29	14.05	9.99	1.57	0.17	0.48
Interest Paid on Borrowings	1.78	1.78	0.8	0.75	0.48	0.31
Total Interest Expense	17.06	15.83	10.8	2.32	0.65	0.8
Net Interest Income	28.6	22.83	19.73	16.62	16.71	9.61
Net Interest Income Growth (YoY)	34.07%	15.68%	18.76%	-0.55%	73.80%	154.80%
Other Non-Interest Income	0.54	0.44	0.55	0.29	0.16	0.04
Total Non-Interest Income	1.02	0.92	0.79	0.59	0.44	0.35
Non-Interest Income Growth (YoY)	14.80%	16.65%	32.34%	35.50%	26.17%	429.62%
Revenues Before Loan Losses	29.62	23.75	20.52	17.21	17.15	9.96
Provision for Loan Losses	1.9	1.88	1.05	1.7	0.99	1.35
Revenue	27.72	21.86	19.48	15.51	16.16	8.61
Revenue Growth (YoY)	35.01%	12.25%	25.56%	-4.00%	87.69%	210.35%
Salaries and Employee Benefits	11.37	11.37	8.79	6.93	4.93	4.43
Occupancy Expenses	0.71	0.71	0.65	0.53	0.53	0.52
Selling, General & Administrative	0.34	0.34	0.38	0.33	0.59	0.22
Other Non-Interest Expense	6.36	3.43	2.71	3.01	2.54	1.69
Total Non-Interest Expense	19.19	16.26	12.96	11.12	9.09	6.92
EBT Excluding Unusual Items	8.53	5.6	6.52	4.39	7.07	1.69
Legal Settlements	-1.04	-1.04	-0.97	-	-	-
Pretax Income	7.5	4.56	5.55	4.39	7.07	1.69
Income Tax Expense	2.26	1.39	1.68	-1.19	2.05	0.28
Net Income	5.24	3.18	3.87	5.58	5.02	1.42
Preferred Dividends & Other Adjustments	0.07	0.07	0.02	0	0.02	-
Net Income to Common	5.17	3.11	3.85	5.57	5.01	1.42
Net Income Growth	77.99%	-17.92%	-30.64%	11.03%	254.76%	-
Basic Shares Outstanding	3	3	3	4	3	3
Diluted Shares Outstanding	3	3	4	4	3	3
Shares Change (YoY)	-2.67%	-0.80%	-1.88%	2.24%	3.75%	21.30%
EPS (Basic)	1.49	0.90	1.12	1.59	1.43	0.42
EPS (Diluted)	1.49	0.89	1.10	1.56	1.43	0.42
EPS Growth	81.56%	-18.74%	-29.48%	8.73%	240.61%	-
Effective Tax Rate	30.12%	30.39%	30.28%	-	28.93%	16.35%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.