Balboa Thrift and Loan Association

Chula Vista, CaliforniaFDIC Cert #26704

STATEEstablished 19804 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$1.23M
Investor CRE	$18.4M
Multifamily	$87.7M
Construction	$0
1–4 family	$30.9M
C&I	$299K
Agriculture	$0
Other	$230M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$369M

−5.3%y/y

Percentile by value55th percentileby value

FDICLNLSGR

Net loans

$360M

−5.5%y/y

Percentile by value54th percentileby value

FDICLNLSNET

Loans YoY

−5.53%

−458.4%y/y

Percentile by value5th percentileby value

FDICLNLSNET

L/D

99.7%

−4.1%y/y

Percentile by value90th percentileby value

FDICLNLSNET + DEP

Loans/assets

88.2%

−3.7%y/y

Percentile by value98th percentileby value

FDICLNLSNET + ASSET

RE loans %

37.49%

−5.6%y/y

Percentile by value2nd percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

661points

−11.5%y/y

Peer standing100th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

0.33%

−25.7%y/y

Percentile by value3rd percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

4.99%

+10.7%y/y

Percentile by value16th percentileby value

FDICLNRENROT + LNLSGR

C&I %

0.08%

+5.9%y/y

Percentile by value2nd percentileby value

FDICLNCI + LNLSGR