Balboa Thrift and Loan Association: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Total interest expense edged down by 1.3%, from $3.7M to $3.7M, the largest move among the key lines here. Within California, Balboa Thrift and Loan Association is 12th of 114 on net interest margin, 4.99% as of Q2 2026, above the middle of the field. Balboa Thrift and Loan Association reported 4.99% on net interest margin for Q2 2026, 1.04 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 8.75% |
| Yield on loans | 9.13% |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.14% |
| Cost of interest-bearing deposits | 4.15% |
| Cost of interest-bearing liabilities | 4.15% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.99% |
| Yield to cost spread | 4.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.3M |
| Total interest expense | $3.7M |
| Interest expense on deposits | $3.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans |
|---|---|---|---|---|
| Q3 2023 | 8.07% | 3.98% | 4.52% | 8.16% |
| Q4 2023 | 8.36% | 4.33% | 4.49% | 8.46% |
| Q1 2024 | 8.02% | 4.44% | 4.01% | 8.18% |
| Q2 2024 | 8.35% | 4.52% | 4.28% | 8.45% |
| Q3 2024 | 8.55% | 4.64% | 4.38% | 8.72% |
| Q4 2024 | 8.84% | 4.61% | 4.69% | 9.11% |
| Q1 2025 | 8.52% | 4.41% | 4.54% | 8.76% |
| Q2 2025 | 8.83% | 4.40% | 4.87% | 9.06% |
| Q3 2025 | 8.71% | 4.40% | 4.78% | 9.08% |
| Q4 2025 | 9.24% | 4.37% | 5.29% | 9.59% |
| Q1 2026 | 8.68% | 4.13% | 4.94% | 9.01% |
| Q2 2026 | 8.75% | 4.14% | 4.99% | 9.13% |
Balboa Thrift and Loan Association yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Balboa Thrift and Loan Association, freeSource: Call Report Schedules RI and RC-K, 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)