Poppy Bank
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Data as of · sourced from FFIEC call reports. How we update
Poppy Bank is an FDIC-insured commercial bank headquartered in Santa Rosa, CA, established in 2005 (FDIC certificate 57903), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.32B, up 18.3% from Q2 2025, the 13th largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.82% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57903
- Headquarters
- Santa Rosa, CA
- Established
- 2005
- Total assets, Q2 2026
- $8.32B
- Assets vs Q2 2025
- +18.3%
- CET1 ratio, Q2 2026
- 12.82%
- Domestic offices
- 42 FDIC institution directory, current count
- Routing number
- 121143891
- Latest call report
- Q2 2026, FFIEC 041 · Poppy Bank call report
- Holding company
- BIG POPPY HOLDINGS, INC.
- Asset rank in state
- 13th of 113 in California
Poppy Bank runs leaner than most banks of its size. Based in Santa Rosa, California, it had $8.3 billion in assets at June 30, 2026, up 18.3% from a year earlier. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it pays an average of 3.24% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Its $1.5 billion non-owner-occupied commercial real estate book is improving, with 0.78% past due or on nonaccrual, down from 3.65% a year earlier. Earnings jumped: net income for the quarter was $26 million, 41% above the same quarter a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.6 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
As of June 30, 2026, Poppy Bank reported a CET1 capital ratio of 12.82%, a return on assets of 1.36%, a nonperforming-loan ratio of 1.89% and a Texas ratio of 15.44%. The figures come from its call report filed with the FFIEC.
Poppy Bank ranks as the 13th largest of the 113 banks based in California, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.7% to $8.32B, loans rose 4.7% and deposits rose 4.6%. Owner-occupied commercial real estate loans made up 27.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 26.2%. Its 42 offices in the FDIC Summary of Deposits are in 36 cities in CA; its Santa Rosa 4 offices book 51% of its branch deposits. Judged on its Q2 2026 call report, Poppy Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 111 Santa Rosa Avenue, Santa Rosa, CA 95404
- County
- Sonoma
- Metro Area
- Santa Rosa-Petaluma, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 28, 2005
- Domestic offices
- 42 FDIC institution directory, current count
- Employees (FTE)
- 284
- Domestic deposits
- $6.29B
- Allowance for credit losses
- $81.9M
- Net charge-offs (YTD)
- $11.2M
- Average total assets
- $7.69B
- Average total loans
- $5.75B
- Average interest-bearing deposits
- $5.33B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 28, 2005
- FDIC Cert
- 57903
- Fed RSSD
- 3232204
- SEC CIK
- 1440104 → filed by BIG POPPY HOLDINGS, INC.
- Website
- http://www.poppy.bank →
- Parent Holding Company
- BIG POPPY HOLDINGS, INC. (RSSD 3602245)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Poppy Bank's total assets ran between $5.74B (Q3 2023) and $8.32B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.32B total assets against $7.03B; $7.58B total liabilities against $6.39B.
$5.76B net loans and leases against $5.19B; $6.29B total deposits against $5.41B.
$903.2M securities against $1.08B; $1.18B cash and balances due against $337.4M.
$120.6M total interest income against $106.5M; $55.2M total interest expense against $56.1M.
$65.5M net interest income against $50.5M.
$2.8M total noninterest income against $1.8M; $28.5M total noninterest expense against $26.3M.
$5.5M provision for credit losses against $2.5M.
$26.2M net income against $18.5M.
1.36% return on assets against 1.07%; 3.55% net interest margin against 3.05%.
12.82% CET1 capital ratio against 11.70%; 9.71% tier 1 leverage ratio against 9.45%.
Inside the full Poppy Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Poppy Bank rankings
Its closest position to the top of a national ranking is 192 of 4,196, for total assets; its furthest is 1,463 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q4 2024) to 1.36% (Q2 2026) and its net interest margin ran from 2.28% (Q3 2024) to 3.55% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.82% | 1.36% | 1.89% | 15.44% | 3.55% |
| Q1 2026 | 12.62% | 1.34% | 2.62% | 20.12% | 3.22% |
| Q4 2025 | 12.02% | 1.16% | 2.70% | 20.16% | 3.01% |
| Q3 2025 | 11.87% | 1.12% | 2.64% | 20.00% | 3.03% |
| Q2 2025 | 11.70% | 1.07% | 1.81% | 14.46% | 3.05% |
| Q1 2025 | 11.55% | 0.97% | 1.71% | 12.61% | 2.58% |
| Q4 2024 | 11.59% | 0.78% | 2.06% | 15.91% | 2.44% |
| Q3 2024 | 10.60% | 0.88% | 2.47% | 16.28% | 2.28% |
Swipe the table sideways to see every column.
Branch Network
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Poppy Bank (main office) | Santa Rosa , CA | 95404 | $3.07B |
| Alameda Branch | Alameda , CA | 94501 | $210.3M |
| Napa Branch | Napa , CA | 94558 | $204.8M |
| Costa MesaOrange County Branch | Costa Mesa , CA | 92626 | $198.9M |
| Petaluma Branch | Petaluma , CA | 94952 | $197.0M |
| Milpitas Branch | Milpitas , CA | 95035 | $190.3M |
| San Rafael Branch | San Rafael , CA | 94903 | $167.7M |
| Walnut Creek Rossmoor Branch | Walnut Creek , CA | 94595 | $163.7M |
| Pleasanton Branch | Pleasanton , CA | 94588 | $160.8M |
| Los AngelesWestwood | Los Angeles , CA | 90024 | $153.5M |
| Menlo Park | Menlo Park , CA | 94025 | $141.8M |
| Corte Madera Branch | Corte Madera , CA | 94925 | $134.8M |
| Oakmont Branch | Santa Rosa , CA | 95409 | $132.4M |
| Roseville Branch | Roseville , CA | 95661 | $106.0M |
| Windsor Branch | Windsor , CA | 95492 | $90.7M |
| San Francisco Branch | San Francisco , CA | 94117 | $85.7M |
| Long Beach Branch | Long Beach , CA | 90803 | $81.9M |
| Fremont Branch | Fremont , CA | 94538 | $77.3M |
| La JollaSan Diego Branch | La Jolla , CA | 92037 | $71.0M |
| Laguna Hills Branch | Laguna Hills , CA | 92653 | $69.4M |
| San Jose Branch | San Jose , CA | 95129 | $54.0M |
| Calabasas Branch | Calabasas , CA | 91302 | $52.4M |
| Santa Monica Branch | Santa Monica , CA | 90403 | $47.3M |
| Folsom Branch | Folsom , CA | 95630 | $46.1M |
| Elk Grove Branch | Elk Grove , CA | 95758 | $45.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 14, 2018 | Structure Change | Acquired Blue Gate Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CA, rank 27 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 51 applications, 25 loans originated, $18.0M originated, across 3 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Poppy Bank
What are Poppy Bank's total assets?
As of the Q2 2026 filing, Poppy Bank reported total assets of $8.32 billion in its FFIEC call report.
Where is Poppy Bank headquartered?
It is headquartered in Santa Rosa, CA, United States.
When was Poppy Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Poppy Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Poppy Bank?
Poppy Bank's primary federal regulator is the FDIC.
What is Poppy Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.82% in its Q2 2026 call report, above regulatory requirements.
How many branches does Poppy Bank operate?
It operates 42 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Poppy Bank's Texas Ratio?
Its Texas Ratio is 15.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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