Side-by-side · Q2 2026 data
Balboa Thrift and Loan Association vs Community Bank of Santa Maria
Bank
Balboa Thrift and Loan Association
Chula Vista, California · $100 million – $1 billion
Metric by metric
| Measure | Balboa Thrift and Loan Association | Community Bank of Santa Maria |
|---|---|---|
| TellerScore | 48 | 72 (stronger) |
| Capital cushion | 56 (stronger) | 55 |
| Loan quality | 62 | 95 (stronger) |
| Earnings | 0 | 63 (stronger) |
| Funding & liquidity | 49 | 63 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 6th | 50th |
| Total assets | $394.5M | $396.5M |
| Deposits / shares | $348.3M | $350.4M |
| Capital ratio | 10.61% (stronger) | 10.49% |
| Problem loans | 1.14% | 0.15% (stronger) |
| Net charge-offs | 2.49% | -0.00% (stronger) |
| Return on assets | -0.70% | 1.07% (stronger) |
| Loans ÷ deposits | 99.4% | 83.5% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 27.0% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank of Santa Maria has the higher TellerScore (72 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Balboa Thrift and Loan Association leads on 2 and Community Bank of Santa Maria on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.