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	Jun '26 Jun 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	44.09	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	49.13	47.23	38.66	30.53	18.94	17.36
Interest Paid on Deposits	14.19	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	16.16	16.91	15.83	10.8	2.32	0.65
Net Interest Income	32.97	30.32	22.83	19.73	16.62	16.71
Net Interest Income Growth	22.86%	32.80%	15.68%	18.76%	-0.55%	73.80%
Other Non-Interest Income	1.14	0.82	0.44	0.55	0.29	0.16
Total Non-Interest Income	1.55	1.24	0.92	0.79	0.59	0.44
Non-Interest Income Growth	85.32%	34.82%	16.65%	32.34%	35.50%	26.17%
Revenues Before Loan Losses	34.53	31.55	23.75	20.52	17.21	17.15
Provision for Loan Losses	2.62	2.19	1.88	1.05	1.7	0.99
Revenue	31.91	29.36	21.86	19.48	15.51	16.16
Revenue Growth	24.82%	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	5.76	4.39	3.43	2.71	3.01	2.54
Total Non-Interest Expense	21.23	19.85	16.26	12.96	11.12	9.09
EBT Excluding Unusual Items	10.68	9.51	5.6	6.52	4.39	7.07
Legal Settlements	-1.17	-1.17	-1.04	-0.97	-	-
Pretax Income	9.51	8.34	4.56	5.55	4.39	7.07
Income Tax Expense	2.78	2.48	1.39	1.68	-1.19	2.05
Net Income	6.73	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	6.49	5.62	3.11	3.85	5.57	5.01
Net Income Growth	48.54%	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	8.74%	5.07%	-2.75%	0.08%	2.24%	3.75%
EPS (Basic)	1.70	1.62	0.88	1.07	1.56	1.40
EPS (Diluted)	1.68	1.51	0.87	1.06	1.53	1.40
EPS Growth	36.96%	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	Jun '26 Jun 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	29.25%	29.77%	30.39%	30.28%	-	28.93%