Balboa Thrift and Loan Association: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Common equity tier 1 capital fell 3.2% from Q1 2026 to Q2 2026, ending at $42.6M against $44.0M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.61% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.6M |
| Tier 1 capital | $42.6M |
| Total risk-based capital | — |
| Total equity capital | $44.0M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.15% |
| Tangible equity to tangible assets | 11.15% |
| Equity capital to average assets | 10.92% |
| Internal capital growth rate | -7.17% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.6M |
| Common stock surplus | $0 |
| Retained earnings | $40.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.68% | 12.53% | 12.53% |
| Q4 2023 | 12.40% | 12.18% | 12.18% |
| Q1 2024 | 11.79% | 11.65% | 11.65% |
| Q2 2024 | 11.61% | 11.68% | 11.68% |
| Q3 2024 | 11.30% | 11.19% | 11.19% |
| Q4 2024 | 11.17% | 11.26% | 11.26% |
| Q1 2025 | 11.20% | 11.30% | 11.30% |
| Q2 2025 | 11.18% | 11.19% | 11.19% |
| Q3 2025 | 10.83% | 10.88% | 10.88% |
| Q4 2025 | 10.66% | 11.08% | 11.08% |
| Q1 2026 | 10.76% | 10.97% | 10.97% |
| Q2 2026 | 10.61% | 11.15% | 11.15% |
Balboa Thrift and Loan Association regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Balboa Thrift and Loan Association, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Balboa Thrift and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26704) · FFIEC NIC profile (RSSD 696168)