Balboa Thrift and Loan Association
Chula Vista, CA · Cert 26704 · Peer group: banks under $1B in assets operating in a single state (n=748-752)
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 40 of 752).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 745 of 748).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.72%
Rank 741 of 752
Net Interest Margin
4.89%
Rank 40 of 752
Efficiency Ratio
69.05%
Rank 454 of 752
Equity / Assets
11.15%
Rank 321 of 752
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% | 1.07% | 1.45% | Beats 1% | 741 / 752 | | |
| Return on Equity | -6.45% | 6.78% | 10.58% | 13.65% | Beats 1% | 743 / 752 | | |
| Net Interest Margin | 4.89% | 3.18% | 3.69% | 4.17% | Beats 95% | 40 / 752 | | |
| Efficiency Ratio | 69.05% | 55.75% | 64.49% | 75.47% | Beats 40% | 454 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.14% | 0.09% | 0.42% | 1.03% | Beats 23% | 579 / 748 | | |
| Net Charge-Offs / Loans | 1.40% | 0.00% | 0.01% | 0.05% | Beats 1% | 745 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 10.61% | 11.55% | 13.75% | 17.60% | Beats 15% | 638 / 752 | | |
| Total Risk-Based Capital Ratio | 10.61% | 11.70% | 14.33% | 18.47% | Beats 14% | 650 / 752 | | |
| Equity / Assets | 11.15% | 8.93% | 10.56% | 13.13% | Beats 57% | 321 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.96% | 62.23% | 78.64% | 91.26% | 91st pctl | 64 / 752 | | |
| Loans / Assets | 90.04% | 54.61% | 67.41% | 76.47% | 99th pctl | 7 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |