Poppy Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Poppy Bank of Santa Rosa, CA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.36% | 1.46% | -0.10% | 57th above |
| ROAE | 14.49% | 12.71% | +1.78% | 67th above |
| Net Interest Margin | 3.55% | 3.85% | -0.30% | 38th below |
| Efficiency Ratio | 41.67% | 57.46% | -15.79% | 91st top |
| PPNR / Avg Assets | 2.07% | 1.88% | +0.19% | 72nd above |
| Yield on Earning Assets | 6.54% | 5.71% | +0.83% | 90th top |
| Cost of Funds | 3.24% | 2.01% | +1.23% | 5th bottom |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.12% | 3.18% | -0.06% | 54th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.92% | 0.99% | +1.93% | 5th bottom |
| NPA / Total Assets | 2.32% | 0.76% | +1.56% | 5th bottom |
| NCO / Avg Loans | 0.75% | 0.43% | +0.32% | 6th bottom |
| ACL / Total Loans | 1.40% | 1.31% | +0.09% | 81st top |
| ACL / NPLs (Coverage) | 48.01% | 544.99% | -496.98% | 8th bottom |
| Texas Ratio | 23.58% | 7.34% | +16.24% | 4th bottom |
| Provision / NCO | 21.30% | 620.88% | -599.58% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.82% | 17.35% | -4.53% | 39th below |
| Tier 1 Ratio | 12.82% | 17.39% | -4.57% | 38th below |
| Total Capital Ratio | 14.07% | 18.44% | -4.37% | 41st below |
| Leverage Ratio | 9.71% | 11.44% | -1.73% | 28th below |
| Equity / Assets | 8.85% | 11.34% | -2.49% | 19th bottom |
| TCE / Tangible Assets | 8.85% | 10.51% | -1.66% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.76% | 86.93% | +5.83% | 36th below |
| Core Deposit Ratio | 78.30% | 85.58% | -7.28% | 18th bottom |
| Uninsured Deposit Ratio | 30.25% | 33.13% | -2.88% | 53rd above |
| Wholesale Funding Ratio | 13.82% | 5.67% | +8.15% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 18.33% | 9.65% | +8.68% | 90th top |
| Loan Growth (Y/Y) | 10.84% | 8.05% | +2.79% | 76th top |
| Deposit Growth (Y/Y) | 16.29% | 7.84% | +8.45% | 87th top |
See Poppy Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Poppy Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Poppy Bank profile, how to read a UBPR, or how this data updates.