Endeavor Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	42.18	32.87	24.28	17.72	17.21
Interest Income on Investments	5.04	5.79	6.26	1.22	0.15
Total Interest Income	47.23	38.66	30.53	18.94	17.36
Interest Paid on Deposits	14.94	14.05	9.99	1.57	0.17
Interest Paid on Borrowings	1.97	1.78	0.8	0.75	0.48
Total Interest Expense	16.91	15.83	10.8	2.32	0.65
Net Interest Income	30.32	22.83	19.73	16.62	16.71
Net Interest Income Growth (YoY)	32.80%	15.68%	18.76%	-0.55%	73.80%
Other Non-Interest Income	0.82	0.44	0.55	0.29	0.16
Total Non-Interest Income	1.24	0.92	0.79	0.59	0.44
Non-Interest Income Growth (YoY)	34.82%	16.65%	32.34%	35.50%	26.17%
Revenues Before Loan Losses	31.55	23.75	20.52	17.21	17.15
Provision for Loan Losses	2.19	1.88	1.05	1.7	0.99
Revenue	29.36	21.86	19.48	15.51	16.16
Revenue Growth (YoY)	34.30%	12.25%	25.56%	-4.00%	87.69%
Salaries and Employee Benefits	13.91	11.37	8.79	6.93	4.93
Occupancy Expenses	0.71	0.71	0.65	0.53	0.53
Selling, General & Administrative	0.42	0.34	0.38	0.33	0.59
Other Non-Interest Expense	4.39	3.43	2.71	3.01	2.54
Total Non-Interest Expense	19.85	16.26	12.96	11.12	9.09
EBT Excluding Unusual Items	9.51	5.6	6.52	4.39	7.07
Legal Settlements	-1.17	-1.04	-0.97	-	-
Pretax Income	8.34	4.56	5.55	4.39	7.07
Income Tax Expense	2.48	1.39	1.68	-1.19	2.05
Net Income	5.86	3.18	3.87	5.58	5.02
Preferred Dividends & Other Adjustments	0.24	0.07	0.02	0	0.02
Net Income to Common	5.62	3.11	3.85	5.57	5.01
Net Income Growth	84.41%	-17.92%	-30.64%	11.03%	254.76%
Basic Shares Outstanding	3	3	3	4	3
Diluted Shares Outstanding	4	3	4	4	3
Shares Change (YoY)	7.17%	-2.75%	-1.88%	2.24%	3.75%
EPS (Basic)	1.65	0.92	1.12	1.59	1.43
EPS (Diluted)	1.54	0.91	1.10	1.56	1.43
EPS Growth	69.23%	-17.12%	-29.48%	8.73%	240.61%
Effective Tax Rate	29.77%	30.39%	30.28%	-	28.93%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.