Balboa Thrift and Loan Association
Chula Vista, CA
IDRSSD: 696168
Total Assets
$409.50M
Latest filing
Total Deposits
$361.38M
Latest filing
Net Interest Margin
5.42%
Profitability
Key People
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Locations
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Main Office
Balboa Thrift and Loan Association
865 Amena Ct
Chula Vista, CA 91910
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 01/30/2026 |
| CERT | 26704 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $409.50M |
| Total Deposits | $361.38M |
| Total Liabilities | $364.11M |
| Total Equity Capital | $45.39M |
| Net Income | $-713,000 |
| Net Loans and Leases | $366.90M |
| Assets Per Employee ($Millions) | $4.5M |
| Bank Premises and Fixed Assets | $1.06M |
| Cash and Balances due from Depository Institutions | $28.33M |
| Deposits Held in Domestic Offices | $361.38M |
Key Performance Ratios
| Return on Assets (ROA) | -0.68% |
| Return on Equity (ROE) | -6.23% |
| Net Interest Margin | 5.42% |
| Efficiency Ratio | 72.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.37% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.084% |
| Earning Assets to total Assets | 95.41% |
Income and Expense
| Total Interest Income | $9.44M |
| Total Noninterest Income | $111.00k |
| Total Interest Expense | $4.03M |
| Total Noninterest Expense | $4.01M |
| Net Interest Income | $5.41M |
| Pre-tax Net Operating Income | $-964,000 |
| Provision for Credit Losses | $2.47M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.58M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.73M |
| Total Liabilities and Capital | $409.50M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$409.50M as of the latest filing.
How much are Balboa Thrift and Loan Association's total deposits?
$361.38M in total deposits.
Where is Balboa Thrift and Loan Association located?
Chula Vista, CA.
What is the Net Interest Margin?
5.42%.
How many domestic offices does it operate?
4.
When was it established?
12/11/1980.
What is the Return on Assets (ROA)?
-0.68%.
How much are total loans and leases?
$366.90M (latest filing).
What is the total interest income (latest filing)?
$9.44M.