Balboa Thrift and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Balboa Thrift and Loan Association of Chula Vista, CA against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.80% | 1.35% | -2.15% | 2nd bottom |
| ROAE | -7.24% | 13.33% | -20.57% | 2nd bottom |
| Net Interest Margin | 4.99% | 3.93% | +1.06% | 92nd top |
| Efficiency Ratio | 69.15% | 61.13% | +8.02% | 30th below |
| PPNR / Avg Assets | 1.55% | 1.68% | -0.13% | 48th below |
| Yield on Earning Assets | 8.75% | 5.67% | +3.08% | 99th top |
| Cost of Funds | 4.14% | 1.88% | +2.26% | 0th bottom |
| Net Interest Spread | 4.60% | 3.32% | +1.28% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.21% | 0.94% | +0.27% | 24th bottom |
| NPA / Total Assets | 1.09% | 0.70% | +0.39% | 19th bottom |
| NCO / Avg Loans | 2.64% | 0.16% | +2.48% | 1st bottom |
| ACL / Total Loans | 2.55% | 1.28% | +1.27% | 97th top |
| ACL / NPLs (Coverage) | 211.18% | 1546.68% | -1335.50% | 49th below |
| Texas Ratio | 8.25% | 7.34% | +0.91% | 27th below |
| Provision / NCO | 111.98% | 1395.61% | -1283.63% | 43rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.61% | 12.14% | -1.53% | 44th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.15% | 11.36% | -0.21% | 62nd above |
| TCE / Tangible Assets | 11.15% | 11.08% | +0.07% | 66th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 101.96% | 80.65% | +21.31% | 9th bottom |
| Core Deposit Ratio | 52.63% | 86.86% | -34.23% | 1st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.81% | 6.85% | -12.66% | 4th bottom |
| Loan Growth (Y/Y) | -8.17% | 7.92% | -16.09% | 4th bottom |
| Deposit Growth (Y/Y) | -5.77% | 6.29% | -12.06% | 6th bottom |
See Balboa Thrift and Loan Association's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Balboa Thrift and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Balboa Thrift and Loan Association profile, how to read a UBPR, or how this data updates.