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Balboa Thrift and Loan Association

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

Chula Vista, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -5.8% year over year ($348.3M on the books).
  • Delinquency rate 1.17%.
  • Return on assets -0.70%.
  • Efficiency ratio 69.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.37% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Balboa Thrift and Loan Association has 1 strength but faces 8 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 1.11% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 4.2% in tier
  • - Liquidity Strain: Bottom 5.2% in tier
  • - Deposit Outflow: Bottom 20.2% in tier
  • - Capital Constraint: Bottom 33.6% in tier
  • - Return on Assets 2.03% below tier average
  • - Non-Interest-Bearing Deposit Share 21.63% below tier average
  • - Efficiency Ratio 4.57% above tier average
  • - Delinquency Rate 0.25% above tier average
Get updates when Balboa Thrift and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $394.5M
-5.8% YoY -3.3% QoQ
+$7.9M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $346.1M
-8.6% YoY -3.8% QoQ
+$87.8M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
74%
Total Deposits ? $348.3M
-5.8% YoY -3.5% QoQ
+$21.6M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? -0.70%
-124.3% YoY -16.5% QoQ
-2.03% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 1.6% in tier
Net Interest Margin ? 5.10%
+6.4% YoY +1.0% QoQ
+1.11% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 6.7% in tier
Efficiency Ratio ? 69.05%
-9.5% YoY +0.1% QoQ
+4.57% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
33%
Delinquency Rate ? 1.17%
+275.4% YoY +17.4% QoQ
+0.25% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 99.37%
-3.0% YoY -0.3% QoQ
+21.41% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ? 0.40%
-9.5% YoY -11.8% QoQ
-21.63% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 0.9% in tier
Nonperforming Asset Ratio ? 1.03%
+264.4% YoY +16.7% QoQ
+0.36% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
20%
Tier 1 Capital Ratio ? 10.61%
-5.1% YoY -1.4% QoQ
-5.30% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.10%
+29.2% YoY +74.5% QoQ
-0.46% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
20%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 0.4%
0.0pp YoY
-0.1pp QoQ
 -21.8pp 22.1% 25.5% 22.2% 0%
Brokered Deposits 13.9%
-1.0pp YoY
-0.1pp QoQ
 +6.0pp 7.9% 11.0% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 0.1%
0.0pp YoY
0.0pp QoQ
 -11.5pp 11.6% 11.8% 12.5% 0%
CRE n/a n/a 39.5% 67.5% 41.4% n/a
1-4 Family 7.2%
-2.4pp YoY
-1.4pp QoQ
 -25.4pp 32.6% 16.5% 31.3% 7%
Consumer 66.1%
+4.3pp YoY
+2.1pp QoQ
 +62.0pp 4.1% 5.3% 5.0% 100%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 10.6%
-0.6pp YoY
-0.1pp QoQ
 -1.6pp 12.2% 14.5% 12.6% 43%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 87
-4 (-4.4%) YoY
+5 (+6.1%) QoQ
 +28 58 337 482 81%
Assets per Employee ($) $4.5M
-1.5% YoY
-8.9% QoQ
 -$3.0M $7.5M $11.3M $8.8M 9%
Branch Count 4
0 YoY
0 QoQ
 -1 4 15 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 29%
Nonaccrual 1.1%
+0.8pp YoY
+0.2pp QoQ
 +0.2pp 0.9% 1.4% 1.0% 74%
Allowance Coverage 2.23x
-67.4% YoY
-8.7% QoQ
 -21.92x 24.15x 17.11x 20.23x 51%
Net Charge-off Rate (YTD) 2.5%
+0.5pp YoY
+0.2pp QoQ
 +2.3pp 0.1% 0.3% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -6.3%
-3.6pp YoY
-0.9pp QoQ
 -18.5pp 12.2% 8.2% 11.6% 1%
Cost of Funds (YTD) 3.8%
-0.2pp YoY
0.0pp QoQ
 +2.1pp 1.7% 1.9% 1.7% 100%
Net Income ($, YTD) $-1419000.0
-116.3% YoY
— QoQ
 -$4.0M $2.6M $28.5M $40.4M 1%

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 (4)

Capital Thin

risk
#29 of 661 • Bottom 4.2% 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: 10.61%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#37 of 691 • Bottom 5.2% 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: 99.37%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#109 of 535 • Bottom 20.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#37 of 107 • Bottom 33.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 99.37%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 10.61%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

179
Net Interest Margin
profitability
Value: 5.10%
Peer Median: 3.99%
#179 of 2643 Top 6.7% in $100M-$1B

Top Weaknesses (7 metrics)

2619
Non-Interest-Bearing Deposit Share
funding
Value: 0.40%
Peer Median: 22.03%
#2619 of 2643 Bottom 0.9% in $100M-$1B
2602
Return on Assets
profitability
Value: -0.70%
Peer Median: 1.32%
#2602 of 2643 Bottom 1.6% in $100M-$1B
2353
Loan-to-Deposit Ratio
liquidity
Value: 99.37%
Peer Median: 77.95%
#2353 of 2643 Bottom 11.0% in $100M-$1B
2156
Tier 1 Capital Ratio
capital
Value: 10.61%
Peer Median: 15.91%
#2156 of 2643 Bottom 18.5% in $100M-$1B
2126
Nonperforming Asset Ratio
credit_quality
Value: 1.03%
Peer Median: 0.67%
#2126 of 2643 Bottom 19.6% in $100M-$1B
2123
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2123 of 2643 Bottom 19.7% in $100M-$1B
1984
Delinquency Rate
credit_quality
Value: 1.17%
Peer Median: 0.92%
#1984 of 2633 Bottom 24.7% in $100M-$1B
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