dcuste said:
From this spec sheet https://voltaplex.com/samsung-35e-18650-battery-inr18650-35e
Voltage, charge max. 4.20 V
Voltage, nominal 3.60 V
Voltage, discharge end 2.65 V
Watts (discharge, max.) 28.8 W
energy Energy, max. 12.60 Wh
It appears that the battery is 12.6 X 65 = 819Wh. If Docw009 is correct, and the voltage drop from 3.1v down to 2.65v represents 15-20% of the cell capacity, I'm missing at least about 819 X .8 = 655 - 550 = 105 Wh. Such is life.
As other folks have mentioned, while your kill-a-watt meter may be accurate it's measuring something different than what you think it is.
You really won't know what's happening until you use a meter like docw009 linked to. Put it in series when you use the bike and again when you charge it. (But it only measures current in one direction, from source to load, which is annoying from a wiring perspective. Either get two--one for charging, one for discharging--or be prepared to figure out your males and females, unless you're using something like Anderson connectors.)
How much current are you drawing from the battery (average and peak)? And what current are you charging at? How hot are the cells when you're attempting to charge them? (That is, are you trying to charge them right after use when they're warm?) Without knowing all these things can't be accurately analyzed.
Batteries really aren't like a gas tank, where a full tank represented a fixed amount of energy that you can use. When they're "full" it just means that a certain amount of voltage is preventing more current from flowing in, and when they're "empty" there's insufficient voltage to push current back out.
Going back to the old analogy of water being like electricity, voltage is the height of water above a waterwheel (the "head") and current is the width of a stream. When only let the water flow over the waterwheel as a small current then that's the rated capacity. But when you use a lot of water all at once it effectively lowers the height of the stream bed from where it had been. This is referred to as voltage sag.
Also, you haven't stated what the cutoff voltage is that you're discharging to. Are you taking them all the way down to 2.65V? The maximum amount of energy can only be drawn out by taking them from 4.2 down to 2.65, but this is very hard on the cells and will quickly degrade their capacity to hold charge.
Instead of thinking of batteries as something like a gas tank that you can be emptied out without consequence, think of them more like a person digging ditches. Sure, they might be able to spend 24 hours in a day digging, but they're only going to be able to do that a few times before you kill the dude. If a person takes speed (charging to maximum voltage), they can dig more ditches, but that has a ill-effect, too (high voltage fatigue).
Some good sources are geared towards non-EE:
https://batteryuniversity.com/learn/article/bu_503_how_to_calculate_battery_runtime
https://batteryuniversity.com/index.php/learn/article/discharge_characteristics_li
https://batteryuniversity.com/learn/article/what_causes_lithium_ion_to_die
In order to get a very long life from my battery, I charge to 3.95V/cell and then only utilize about 20-25% of the overall capacity. This might seem like overkill to you, but I need to get about 450 cycles out of the battery per year (twice a day for every day I commute), and I want to use it for multiple years.