Balboa Thrift and Loan Association
Chula Vista, CA · Cert 26704 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 4 branches
Q2 2026
$394.5MAssets
$355.2MLoans
$348.3MDeposits
$44.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks under $1B in assets operating in a single state (rank 38 of 746).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 739 of 743).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.72%
Rank 735 of 746
Net Interest Margin
4.89%
Rank 38 of 746
Efficiency Ratio
69.05%
Rank 450 of 746
Equity / Assets
11.15%
Rank 311 of 746
Non-interest income vs. expense
Unfavorable gap of $13.3M · efficiency ratio beats 40% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.72% | 0.72% | 1.06% | 1.45% | Beats 1% | 735 / 746 | | |
| Return on Equity | -6.45% | 6.74% | 10.51% | 13.63% | Beats 1% | 736 / 746 | | |
| Net Interest Margin | 4.89% | 3.17% | 3.68% | 4.16% | Beats 95% | 38 / 746 | | |
| Efficiency Ratio | 69.05% | 55.74% | 64.58% | 75.47% | Beats 40% | 450 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.42% | 1.07% | Beats 23% | 571 / 743 | | |
| Net Charge-Offs / Loans | 1.40% | 0.00% | 0.01% | 0.05% | Beats 1% | 739 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 11.55% | 13.75% | 17.60% | Beats 15% | 633 / 746 | | |
| Total Risk-Based Capital Ratio | 10.61% | 11.71% | 14.33% | 18.43% | Beats 14% | 643 / 746 | | |
| Equity / Assets | 11.15% | 8.90% | 10.51% | 13.06% | Beats 58% | 311 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.96% | 61.31% | 78.27% | 90.78% | 92nd pctl | 61 / 746 | | |
| Loans / Assets | 90.04% | 53.60% | 66.97% | 76.08% | 99th pctl | 8 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |