Poppy Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 8.7% lower than in Q1 2026, at -$10.4M. Within California, Poppy Bank is 58th of 74 on CET1 ratio, 12.82% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Poppy Bank sits 0.66 points lower, at 12.82% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.82% |
| Tier 1 risk-based capital ratio | 12.82% |
| Total risk-based capital ratio | 14.07% |
| Tier 1 leverage ratio | 9.71% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $746.8M |
| Tier 1 capital | $746.8M |
| Total risk-based capital | $819.8M |
| Total equity capital | $736.4M |
| Risk-weighted assets | $5.83B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
| Equity capital to average assets | 9.57% |
| Internal capital growth rate | 14.76% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $144.5M |
| Common stock surplus | $199.1M |
| Retained earnings | $403.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 12.90% | 9.91% | $4.81B |
| Q4 2023 | 11.95% | 11.95% | 13.06% | 10.25% | $4.84B |
| Q1 2024 | 11.89% | 11.89% | 13.14% | 10.08% | $4.87B |
| Q2 2024 | 11.00% | 11.00% | 12.25% | 10.21% | $5.37B |
| Q3 2024 | 10.60% | 10.60% | 11.81% | 9.75% | $5.76B |
| Q4 2024 | 11.59% | 11.59% | 12.80% | 9.42% | $5.42B |
| Q1 2025 | 11.55% | 11.55% | 12.80% | 9.19% | $5.49B |
| Q2 2025 | 11.70% | 11.70% | 12.95% | 9.45% | $5.58B |
| Q3 2025 | 11.87% | 11.87% | 13.13% | 9.39% | $5.67B |
| Q4 2025 | 12.02% | 12.02% | 13.28% | 9.23% | $5.68B |
| Q1 2026 | 12.62% | 12.62% | 13.87% | 9.75% | $5.71B |
| Q2 2026 | 12.82% | 12.82% | 14.07% | 9.71% | $5.83B |
Poppy Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Poppy Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Poppy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57903) · FFIEC NIC profile (RSSD 3232204)