Balboa Thrift and Loan is headquartered in Chula Vista, CA.  The bank offers personal and commercial banking services.  The bank was established on December 11, 1980.  Balboa Thrift and Loan Association has been FDIC insured since July 3, 1986.  The bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).

As of march 31, 209 the bank had a total of 78 full-time equivalent employees.  Total bank assets on March 31, 2009 were $205,234,000, total bank deposits were $185,628,000 and net operating income was $128,000.

Balboa Thrift and Loan most recent performance ratios.
As of March 31, 2009:

Yield on earning assets 11.61% 
Cost of funding earning assets 3.62% 
Net interest margin 7.99%
Noncurrent loans to loans 1.33%
Equity capital to assets 8.85% 
Core capital (leverage) ratio 8.78% 
Tier 1 risk-based capital ratio 9.20% 
Total risk-based capital ratio 10.47%

Balboa Thrift and Loan products and services:

The bank’s services include checking accounts and savings accounts, online banking and bill pay, ATM, safe deposit boxes, individual retirement accounts, certificates of deposit;  home equity loans, mortgage loans, personal, and auto loans, as well as lines of credit.
 
Balboa Thrift and Loan branch bank locations:

Balboa Thrift and Loan
865 Amena Court
Chula Vista, CA  91910
Phone: (619) 397-7700
Fax: (619) 397-7687

306 Yale Avenue
Claremont, CA  91711
Phone: (909) 398-4441
Fax: (909) 398-4444

4620 California Avenue
Bakersfield, CA  93309
Phone: (661) 631-4373
Fax: (661) 631-4375

79-440 Corporate Center Dr.
La Quinta, CA  92253
Phone: (760) 777-1677
Fax: (760) 777-4647
Toll Free: (888) 700-7059

7060 N. Marks Ave. Ste 107
Fresno, CA 93711
Phone: (559) 448-8553
Fax: (559) 448-8515

Balboa Thrift and Loan web address: www.balboathrift.com

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