BlastPoint's Banking Scorecard

Balboa Thrift and Loan Association

$100M-$1B Specialty: Commercial CA FDIC cert 26704

Chula Vista, CA

4 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Balboa Thrift and Loan Association has 1 strength but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.12% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.1% in tier
- Capital Thin: Bottom 12.0% in tier
- Return on Assets 1.87% below tier average
- Non-Interest-Bearing Deposit Share 21.57% below tier average
- Efficiency Ratio 3.66% above tier average
- Delinquency Rate 0.11% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$408.0M -1.9% YoY -0.4% QoQ	+$21.9M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$360.0M -5.5% YoY -1.9% QoQ	+$104.2M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$361.2M -1.5% YoY -0.1% QoQ	+$33.2M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	64%
Return on Assets ?	-0.60% -23.1% YoY -18.9% QoQ	-1.87%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 1.5% in tier
Net Interest Margin ?	5.05% +9.2% YoY +1.2% QoQ	+1.12%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Top 6.4% in tier
Efficiency Ratio ?	68.95% -14.0% YoY -8.9% QoQ	+3.66%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	1.00% +308.3% YoY +100.6% QoQ	+0.11%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	99.67% -4.1% YoY -1.8% QoQ	+23.03%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ?	0.45% -1.8% YoY -20.9% QoQ	-21.57%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 0.9% in tier
Nonperforming Asset Ratio ?	0.88% +293.3% YoY +97.5% QoQ	+0.24%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	10.76% -3.9% YoY +1.0% QoQ	-5.07%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.06% +90.6% YoY -56.1% QoQ	-0.22%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	25%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#66 of 643 • Bottom 10.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.67%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Thin

risk

#81 of 666 • Bottom 12.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.76%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

172

Net Interest Margin

profitability

Value: 5.05%

Peer Median: 3.93%

#172 of 2664 Top 6.4% in $100M-$1B

655

Total Loans

size

Value: $359.96M

Peer Median: $255.72M

#655 of 2664 Top 24.5% in $100M-$1B

Top Weaknesses (5 metrics)

2642

Non-Interest-Bearing Deposit Share

funding

Value: 0.45%

Peer Median: 22.02%

#2642 of 2664 Bottom 0.9% in $100M-$1B

2626

Return on Assets

profitability

Value: -0.60%

Peer Median: 1.27%

#2626 of 2664 Bottom 1.5% in $100M-$1B

2430

Loan-to-Deposit Ratio

liquidity

Value: 99.67%

Peer Median: 76.64%

#2430 of 2664 Bottom 8.8% in $100M-$1B

2129

Tier 1 Capital Ratio

capital

Value: 10.76%

Peer Median: 15.83%

#2129 of 2664 Bottom 20.1% in $100M-$1B

2050

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.64%

#2050 of 2664 Bottom 23.1% in $100M-$1B