BALBOA THRIFT AND LOAN ASSOCIATION

CHULA VISTA, CA | Small | Est. Dec. 11, 1980, midnight | FDIC #26704 | RSSD #696168 | FDIC
Latest Report: 2025-12-31

BALBOA THRIFT AND LOAN ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CHULA VISTA, CA, established in Dec. 11, 1980, midnight. As of 2025-12-31, the bank reported total assets of $410M and total deposits of $361M. Profitability stands at -0.68% ROA and -6.23% ROE, with a net interest margin of 5.64%. The bank's CET1 capital ratio is 11.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.22%. FDIC Certificate #26704.

Assets

$410M

Deposits

$361M

Loans

$375M

Equity

$45M

Profitability

Return on Assets (ROA) -0.68%
Return on Equity (ROE) -6.23%
Net Interest Margin (NIM) 5.64%
Yield on Assets 9.85%
Cost of Funds 4.38%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 2.14%
Texas Ratio 3.22%
NPA Ratio 0.42%
ACL / Loans 2.27%

Capital & Liquidity

CET1 Ratio 11.08%
Tier 1 Capital 11.08%
Total Capital Ratio 11.64%
Leverage Ratio 10.66%
Loan-to-Deposit 103.88%

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