Balboa Thrift and Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 23.93 percentage points lower than in Q1 2026, at 211.18%. Balboa Thrift and Loan Association has the 9th lowest return on assets of the 114 banks headquartered in California, at -0.80% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Balboa Thrift and Loan Association reported -0.80% on return on assets in Q2 2026, 2.05 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.61% |
| Equity capital to assets | 11.15% |
| Tangible equity to tangible assets | 11.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.21% |
| Non-performing assets ratio | 1.09% |
| Net charge-off ratio | 2.64% |
| Texas ratio | 8.25% |
| Allowance for credit losses to loans | 2.55% |
| Reserve coverage of non-performing loans | 211.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.80% |
| Return on equity | -7.24% |
| Net interest margin | 4.99% |
| Efficiency ratio | 69.15% |
| Yield on earning assets | 8.75% |
| Cost of funds | 4.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.96% |
| Core deposits to total deposits | 52.63% |
| Brokered deposits to total deposits | 13.90% |
| Deposits to assets | 88.31% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | -0.40% | 4.52% | 0.44% | 1.63% |
| Q4 2023 | 12.40% | -0.02% | 4.49% | 0.53% | 1.37% |
| Q1 2024 | 11.79% | -0.55% | 4.01% | 0.41% | 1.82% |
| Q2 2024 | 11.61% | -0.52% | 4.28% | 0.39% | 1.60% |
| Q3 2024 | 11.30% | -0.57% | 4.38% | 0.41% | 1.60% |
| Q4 2024 | 11.17% | -0.11% | 4.69% | 0.52% | 1.69% |
| Q1 2025 | 11.20% | -0.49% | 4.54% | 0.34% | 2.18% |
| Q2 2025 | 11.18% | -0.14% | 4.87% | 0.34% | 1.77% |
| Q3 2025 | 10.83% | -0.71% | 4.78% | 0.43% | 2.22% |
| Q4 2025 | 10.66% | -0.68% | 5.29% | 0.54% | 2.19% |
| Q1 2026 | 10.76% | -0.60% | 4.94% | 1.01% | 2.33% |
| Q2 2026 | 10.61% | -0.80% | 4.99% | 1.21% | 2.64% |
Balboa Thrift and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Balboa Thrift and Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)