Bank · FDIC insured
Balboa Thrift and Loan
A $394.5M bank headquartered in Chula Vista, CA, with 4 branches in California. Best rates: CDs 4.13% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all). Credit cards: no rates found on its website.
- CDs894.13%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Balboa Thrift and Loan
Balboa Thrift and Loan has provided customized financial products and services to the Chula Vista community and surrounding Southern California areas for over 45 years.
The institution maintains branch locations in Chula Vista, Claremont, La Quinta, and Fresno, California.
- Headquarters
- 865 Amena Ct, Chula Vista, CA 91910
- FDIC certificate
- 26704 ↗
Branches
4 branches in California
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California
4 branches
San Diego area · 1
- Balboa Thrift and Loan AssociationMain office865 Amena Ct, Chula Vista, CA 91910Directions
Los Angeles area · 1
- Claremont Branch306 Yale Ave, Claremont, CA 91711Directions
Fresno area · 1
- Fresno Branch7060 N Marks Ave, Fresno, CA 93711Directions
Riverside area · 1
- La Quinta Branch79440 Corporate Center Dr, La Quinta, CA 92253Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.61% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.14% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | -0.70% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $102 | $81 | — |
- CapitalLeverage ratio10.61%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.14%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets-0.70%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$102Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Balboa Thrift and Loan are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.