TellerScore

Headquartered in Chula Vista, California, Balboa Thrift and Loan Association is a state-chartered bank with $394.5M in total assets and $348.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1980.

Balboa Thrift and Loan Association has a TellerScore of 48 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 108th. Problem-loan coverage contributes the most (85/100, 7.6%); earnings contributes the least (0/100, -0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.61%
Loan quality62/100
Noncurrent loans ÷ total loans: 1.14%
Earnings0/100
Return on assets (annualized): -0.70%
Funding & liquidity49/100
Loans ÷ deposits and uninsured-deposit share: 99.4% · 25.5% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.64%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 11 points (59 → 48), mostly because the loan quality component weakened by 28 points.

TellerScore
485459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202458
Q4 202457
Q1 202558
Q2 202559
Q3 202556
Q4 202554
Q1 202650
Q2 202648
Tier 1 leverage ratio
5.00%8.30%11.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.61%
Q3 202411.30%
Q4 202411.17%
Q1 202511.20%
Q2 202511.18%
Q3 202510.83%
Q4 202510.66%
Q1 202610.76%
Q2 202610.61%
Noncurrent loans
0.24%0.69%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.30%
Q4 20240.41%
Q1 20250.24%
Q2 20250.31%
Q3 20250.40%
Q4 20250.49%
Q1 20260.97%
Q2 20261.14%
Return on assets
-0.70%-0.51%-0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.54%
Q3 2024-0.55%
Q4 2024-0.44%
Q1 2025-0.49%
Q2 2025-0.31%
Q3 2025-0.45%
Q4 2025-0.51%
Q1 2026-0.60%
Q2 2026-0.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202648$394.5M10.61%1.14%-0.70%99.4%
Q1 202650$408.0M10.76%0.97%-0.60%99.7%
Q4 202554$409.5M10.66%0.49%-0.51%101.5%
Q3 202556$423.8M10.83%0.40%-0.45%100.0%
Q2 202559$418.8M11.18%0.31%-0.31%102.4%
Q1 202558$416.0M11.20%0.24%-0.49%103.9%
Q4 202457$422.0M11.17%0.41%-0.44%100.0%
Q3 202458$425.7M11.30%0.30%-0.55%102.9%
Q2 202459$412.7M11.61%0.28%-0.54%104.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.61%
43rd
Total risk-based capital0.00%
24th
Problem loans1.14%
25th
Net charge-offs2.49%
1st
Return on assets-0.70%
2nd
Net interest margin5.10%
93rd
Efficiency ratio69.1%
32nd
Loans to deposits99.4%
11th
Uninsured deposits25.5%
44th
Loan-loss reserves2.55%
97th
Texas ratio7.6%
24th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of Santa MariaBank Santa Maria, CA72 out of 100, Strong$396.5M10.5%0.15%vs
Liberty Bank, National AssociationBank Irvine, CA72 out of 100, Strong$399.2M14.4%0.00%vs
Universal BankBank West Covina, CA54 out of 100, Below average$388.0M17.8%3.74%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
Community Commerce BankBank Claremont, CA84 out of 100, Strong$422.7M15.3%0.00%vs
Infinity BankBank Santa Ana, CA70 out of 100, Strong$359.5M13.0%0.95%vs

Deposit insurance

Is my money safe at Balboa Thrift and Loan Association?

Yes. Balboa Thrift and Loan Association is an FDIC-insured institution (FDIC certificate #26704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.5% of deposits ($88.8M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.61%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Balboa Thrift and Loan Association lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Balboa Thrift and Loan Association
Type
State-chartered bank
FDIC certificate #
26704
RSSD ID
696168
Primary regulator
FDIC
Established
December 11, 1980
Headquarters
865 Amena Ct, Chula Vista, CA 91910
Employees
87

Quick answers

Balboa Thrift and Loan Association: common questions

Is Balboa Thrift and Loan Association FDIC insured?

Yes. Balboa Thrift and Loan Association is an FDIC-insured institution (FDIC certificate #26704). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Balboa Thrift and Loan Association's TellerScore?

48 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Balboa Thrift and Loan Association ever failed?

There is no failure record for FDIC certificate #26704 in the FDIC failed bank list.

How many branches does Balboa Thrift and Loan Association have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chula Vista

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs