Side-by-side · Q2 2026 data
Home Bank of California vs Balboa Thrift and Loan Association
Bank
Balboa Thrift and Loan Association
Chula Vista, California · $100 million – $1 billion
Metric by metric
| Measure | Home Bank of California | Balboa Thrift and Loan Association |
|---|---|---|
| TellerScore | 84 (stronger) | 48 |
| Capital cushion | 73 (stronger) | 56 |
| Loan quality | 100 (stronger) | 62 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 48 | 49 (stronger) |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 86th | 6th |
| Total assets | $255.4M | $394.5M |
| Deposits / shares | $192.2M | $348.3M |
| Capital ratio | 12.27% (stronger) | 10.61% |
| Problem loans | 0.00% (stronger) | 1.14% |
| Net charge-offs | -0.00% (stronger) | 2.49% |
| Return on assets | 2.34% (stronger) | -0.70% |
| Loans ÷ deposits | 121.2% | 99.4% (stronger) |
| Uninsured deposits | 16.6% (stronger) | 25.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Home Bank of California leads on 6 and Balboa Thrift and Loan Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.