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Balboa Thrift And Loan Association
Chula Vista, CA · FDIC Certificate #26704 · Chartered 12/1
Total assets
$394.45M
Total deposits
$348.35M
Total equity
$43.97M
Net loans
$346.13M
Branches (offices)
4
Net income (YTD)
-$1.42M
Rank: #2,086 of 4,213 U.S. banks by assets · #86 of 115 in California. Assets changed -5.8% and deposits -5.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.70% |
| Return on equity | -6.35% |
| Net interest margin (YTD) | 5.10% |
| Equity to assets | 11.15% |
| Tier 1 leverage ratio | 10.61% |
| Uninsured deposits (share of deposits) | 25.5% |
| Noncurrent loans (share of loans) | 1.14% |
| Net charge-offs (share of loans) | 2.49% |
| Loans to deposits | 99.4% |
| Real estate loans (share of loans) | 36.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $126.20M | 36.5% | |
| Commercial & industrial | $199.00K | 0.1% | |
| Consumer / individual | $228.78M | 66.1% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $308.49M | $256.70M | $2.31M | $51.19M |
| Jun 2023 | $381.85M | $329.65M | $468.00K | $49.74M |
| Jun 2024 | $412.72M | $362.18M | -$1.11M | $48.22M |
| Jun 2025 | $418.80M | $369.66M | -$656.00K | $46.85M |
| Jun 2026 | $394.45M | $348.35M | -$1.42M | $43.97M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $348.35M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $348.35M.
Similar-sized banks
First National Bank Of Pana ($394.83M) · Trusttexas Bank, SSB ($393.49M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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