Poppy Bank
Santa Rosa, California, Sonoma County
$8.3B in total assets, the 201st largest of 4,309 US banks and 13th of 120 headquartered in California.
- FDIC certificate
- 57903
- Established
- 2005
- Owned by
- Big Poppy Holdings Inc
- Primary regulator
- FDIC
- Website
- http://www.poppy.bank
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $8.3B | 96% | $2.7B | |
| Loans | $5.8B | 94% | $1.8B | |
| Deposits | $6.3B | 92% | $2.3B | |
| Return on assets | 1.22% | 51% | 1.21% | |
| Net interest margin | 3.29% | 24% | 3.81% | |
| Efficiency ratio | 43.2% | 20% | 54.4% | |
| Equity to assets | 8.85% | 4% | 11.37% | |
| Loans to deposits | 93% | 64% | 89% |
Growth
Total assets grew 17.4% a year over the last 5 years and 23.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2018 | Blue Gate Bank Costa Mesa, CA | $122M |
Where they operate
42 branches in 14 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sonoma County, CA | $3.5B | 17.8% | 2 of 14 |
| Alameda County, CA | $449M | 0.6% | 15 of 37 |
| Los Angeles County, CA | $380M | 0.1% | 55 of 91 |
| Marin County, CA | $310M | 1.9% | 10 of 18 |
| Orange County, CA | $294M | 0.2% | 38 of 73 |
| Santa Clara County, CA | $269M | 0.2% | 23 of 42 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 33 branches since 2016 (9 to 42, +366.7%). 33 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2017 | Opened Windsor | 1 | 0 | +1 | 10 |
| 2018 | Acquired Blue Gate BankOpened Menlo Park and Roseville | 3 | 0 | +3 | 13 |
| 2019 | Opened Los Angeles and Pleasanton | 2 | 0 | +2 | 15 |
| 2020 | Opened 3 in CaliforniaClosed Roseville | 3 | 1 | +2 | 17 |
| 2021 | Opened Napa and San Francisco | 2 | 0 | +2 | 19 |
| 2022 | Opened Fremont and Long Beach | 2 | 0 | +2 | 21 |
| 2023 | Opened 5 in California | 5 | 0 | +5 | 26 |
| 2024 | Opened 5 in California | 5 | 0 | +5 | 31 |
| 2025 | Opened 7 in California | 7 | 0 | +7 | 38 |
| 2026 through Q2 | Opened 4 in California | 4 | 0 | +4 | 42 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 54% | 47% | |
| 1-4 family residential | 19% | 14% | |
| Multifamily | 16% | 13% | |
| Construction and land | 9% | 3% | |
| Business (C&I) | 3% | 16% | |
| Farmland | 1% | 2% | |
| Consumer | 0% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 48% | 48% | |
| Time deposits | 41% | 23% | |
| Noninterest-bearing | 11% | 29% |
Brokered deposits are 3.9% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.78% | 0.43% |
| Net charge-offs, annualized | 0.40% | 0.05% |
| Reserves to loans | 1.40% | 1.25% |
| Leverage ratio | 9.71% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Sonoma County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/poppy