BDI
BT

Balboa Thrift and Loan Association

Chula Vista, CaliforniaFDIC Cert #26704

STATEEstablished 19804 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
2.78%
+45.4%y/y
Peer standing4th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.03%
+92.3%y/y
Peer standing29th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.95%
+321.0%y/y
Peer standing25th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
0.97%
+307.2%y/y
Peer standing28th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.88%
+293.3%y/y
Peer standing23rd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.59M
+285.7%y/y
Peer standing29th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
2.29%
+5.3%y/y
Peer standing1st percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$2.18M
+3.5%y/y
Peer standing1st percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
2.38%
+12.3%y/y
Percentile by value97th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$10.3M
+37.7%y/y
Peer standing4th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$102K
+82.1%y/y
Peer standing28th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$3.49M
+298.7%y/y
Peer standing24th percentile
Peer standing in asset:300m_1b
FDICNAASSET