Endeavor Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	44.86	42.18	32.87	24.28	17.72	17.21
Interest Income on Investments	5.04	5.04	5.79	6.26	1.22	0.15
Total Interest Income	49.9	47.23	38.66	30.53	18.94	17.36
Interest Paid on Deposits	13.59	14.94	14.05	9.99	1.57	0.17
Interest Paid on Borrowings	1.97	1.97	1.78	0.8	0.75	0.48
Total Interest Expense	15.56	16.91	15.83	10.8	2.32	0.65
Net Interest Income	34.35	30.32	22.83	19.73	16.62	16.71
Net Interest Income Growth	20.09%	32.80%	15.68%	18.76%	-0.55%	73.80%
Other Non-Interest Income	1.04	0.82	0.44	0.55	0.29	0.16
Total Non-Interest Income	1.45	1.24	0.92	0.79	0.59	0.44
Non-Interest Income Growth	41.76%	34.82%	16.65%	32.34%	35.50%	26.17%
Revenues Before Loan Losses	35.8	31.55	23.75	20.52	17.21	17.15
Provision for Loan Losses	2.75	2.19	1.88	1.05	1.7	0.99
Revenue	33.05	29.36	21.86	19.48	15.51	16.16
Revenue Growth	19.21%	34.30%	12.25%	25.56%	-4.00%	87.69%
Salaries and Employee Benefits	13.91	13.91	11.37	8.79	6.93	4.93
Occupancy Expenses	0.71	0.71	0.71	0.65	0.53	0.53
Selling, General & Administrative	0.42	0.42	0.34	0.38	0.33	0.59
Other Non-Interest Expense	6.35	4.39	3.43	2.71	3.01	2.54
Total Non-Interest Expense	21.81	19.85	16.26	12.96	11.12	9.09
EBT Excluding Unusual Items	11.24	9.51	5.6	6.52	4.39	7.07
Legal Settlements	-1.17	-1.17	-1.04	-0.97	-	-
Pretax Income	10.07	8.34	4.56	5.55	4.39	7.07
Income Tax Expense	2.95	2.48	1.39	1.68	-1.19	2.05
Net Income	7.12	5.86	3.18	3.87	5.58	5.02
Preferred Dividends & Other Adjustments	0.24	0.24	0.07	0.02	0	0.02
Net Income to Common	6.88	5.62	3.11	3.85	5.57	5.01
Net Income Growth	33.09%	80.77%	-19.27%	-30.97%	11.34%	253.57%
Basic Shares Outstanding	4	3	4	4	4	4
Diluted Shares Outstanding	4	4	4	4	4	4
Shares Change	16.44%	5.07%	-2.75%	0.08%	2.24%	3.75%
EPS (Basic)	1.72	1.62	0.88	1.07	1.56	1.40
EPS (Diluted)	1.67	1.51	0.87	1.06	1.53	1.40
EPS Growth	14.56%	72.61%	-17.12%	-30.87%	8.72%	240.63%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Effective Tax Rate	29.29%	29.77%	30.39%	30.28%	-	28.93%