Balboa Thrift and Loan Association
Chula Vista, CA
IDRSSD: 696168
Total Assets
$423.76M
Latest filing
Total Deposits
$375.34M
Latest filing
Net Interest Margin
4.90%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Balboa Thrift and Loan Association
865 Amena Ct
Chula Vista, CA 91910
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/11/1980FDIC Certificate 35769
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Balboa Thrift and Loan Association (Main) | 865 Amena Ct | Chula Vista, CA |
| CLAREMONT BRANCH | 269 W Bonita Ave | Claremont, CA |
| LA QUINTA BRANCH | 79440 Corporate Center Dr | La Quinta, CA |
| FRESNO BRANCH | 7060 N Marks Ave | Fresno, CA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/11/1980 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 91910 |
| State and County Number | 06073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 23 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Diego-Chula Vista-Carlsbad, CA |
Operational Info
| Number of Employees | 91 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 07/03/1986 |
| Primary Insurance Agency | DIF |
| Website | http://www.balboathrift.com |
| Data Updated | 11/14/2025 |
| CERT | 26704 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $423.76M |
| Total Deposits | $375.34M |
| Total Liabilities | $377.65M |
| Total Equity Capital | $46.10M |
| Net Income | $-751,000 |
| Net Loans and Leases | $375.17M |
| Assets Per Employee ($Millions) | $4.66M |
| Bank Premises and Fixed Assets | $1.07M |
| Cash and Balances due from Depository Institutions | $36.81M |
| Deposits Held in Domestic Offices | $375.34M |
Key Performance Ratios
| Return on Assets (ROA) | -0.71% |
| Return on Equity (ROE) | -6.46% |
| Net Interest Margin | 4.9% |
| Efficiency Ratio | 77.52% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.88% |
| Earning Assets to total Assets | 96.2% |
Income and Expense
| Total Interest Income | $9.03M |
| Total Noninterest Income | $108.00k |
| Total Interest Expense | $4.08M |
| Total Noninterest Expense | $3.92M |
| Net Interest Income | $4.96M |
| Pre-tax Net Operating Income | $-1,010,000 |
| Provision for Credit Losses | $2.15M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $638.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.31M |
| Total Liabilities and Capital | $423.76M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Balboa Thrift and Loan Association?
$423.76M as of the latest filing.
How much are Balboa Thrift and Loan Association's total deposits?
$375.34M in total deposits.
Where is Balboa Thrift and Loan Association located?
Chula Vista, CA.
What is the Net Interest Margin?
4.90%.
How many domestic offices does it operate?
4.
When was it established?
12/11/1980.
What is the Return on Assets (ROA)?
-0.71%.
How much are total loans and leases?
$375.17M (latest filing).
What is the total interest income (latest filing)?
$9.03M.