Poppy Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 1.49 percentage points lower than in Q1 2026, at 75.66%. Within California, Poppy Bank is 34th of 114 on return on assets, 1.36% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Poppy Bank sits 0.09 points higher, at 1.36% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.82% |
| Tier 1 risk-based capital ratio | 12.82% |
| Total risk-based capital ratio | 14.07% |
| Tier 1 leverage ratio | 9.71% |
| Equity capital to assets | 8.85% |
| Tangible equity to tangible assets | 8.85% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.92% |
| Non-performing assets ratio | 2.32% |
| Net charge-off ratio | 0.75% |
| Texas ratio | 23.58% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 48.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 14.49% |
| Net interest margin | 3.55% |
| Efficiency ratio | 41.67% |
| Yield on earning assets | 6.54% |
| Cost of funds | 3.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.76% |
| Core deposits to total deposits | 78.30% |
| Brokered deposits to total deposits | 3.86% |
| Deposits to assets | 75.66% |
| Securities to assets | 10.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 12.90% | 9.91% | 0.95% |
| Q4 2023 | 11.95% | 11.95% | 13.06% | 10.25% | 0.92% |
| Q1 2024 | 11.89% | 11.89% | 13.14% | 10.08% | 0.84% |
| Q2 2024 | 11.00% | 11.00% | 12.25% | 10.21% | 0.77% |
| Q3 2024 | 10.60% | 10.60% | 11.81% | 9.75% | 0.88% |
| Q4 2024 | 11.59% | 11.59% | 12.80% | 9.42% | 0.78% |
| Q1 2025 | 11.55% | 11.55% | 12.80% | 9.19% | 0.97% |
| Q2 2025 | 11.70% | 11.70% | 12.95% | 9.45% | 1.07% |
| Q3 2025 | 11.87% | 11.87% | 13.13% | 9.39% | 1.12% |
| Q4 2025 | 12.02% | 12.02% | 13.28% | 9.23% | 1.16% |
| Q1 2026 | 12.62% | 12.62% | 13.87% | 9.75% | 1.34% |
| Q2 2026 | 12.82% | 12.82% | 14.07% | 9.71% | 1.36% |
Poppy Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Poppy Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)