Balboa Thrift and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 7.28 percentage points in Q2 2026, from 201.13% to 193.84%. It was the largest change from Q1 2026 among the key lines here. Balboa Thrift and Loan Association ranks 17th of 114 California banks on loan-to-deposit ratio, in the upper half at 101.96% (Q2 2026). Balboa Thrift and Loan Association reported 101.96% on loan-to-deposit ratio for Q2 2026, 21.13 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $355.2M |
| Net loans and leases | $346.1M |
| Loans held for sale | $0 |
| Loans to total assets | 90.04% |
| Loan-to-deposit ratio | 101.96% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.05% |
| Multifamily (5+ residential) | 22.46% |
| Commercial and industrial | 0.06% |
| Consumer | 64.41% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 193.84% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.13% |
| Interest income on loans | $8.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $368.2M | $341.9M | 7.26% | 0.00% | 66.99% |
| Q4 2023 | $376.2M | $353.3M | 6.96% | 0.00% | 64.41% |
| Q1 2024 | $383.7M | $367.6M | 6.86% | 0.00% | 63.04% |
| Q2 2024 | $386.6M | $362.2M | 6.69% | 0.08% | 62.10% |
| Q3 2024 | $395.5M | $375.9M | 6.47% | 0.08% | 59.85% |
| Q4 2024 | $381.1M | $372.4M | 5.09% | 0.08% | 60.98% |
| Q1 2025 | $389.3M | $366.8M | 4.96% | 0.08% | 60.20% |
| Q2 2025 | $386.8M | $369.7M | 4.92% | 0.08% | 60.54% |
| Q3 2025 | $383.3M | $375.3M | 4.94% | 0.08% | 60.70% |
| Q4 2025 | $375.4M | $361.4M | 5.08% | 0.08% | 62.41% |
| Q1 2026 | $368.7M | $361.2M | 5.33% | 0.08% | 62.43% |
| Q2 2026 | $355.2M | $348.3M | 6.05% | 0.06% | 64.41% |
Balboa Thrift and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Balboa Thrift and Loan Association, freeSource: Call Report Schedule RC-C, 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)