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Poppy Bank
Santa Rosa, CA · FDIC Certificate #57903 · Chartered 01/2
Total assets
$8.32B
Total deposits
$6.29B
Total equity
$736.44M
Net loans
$5.76B
Branches (offices)
42
Net income (YTD)
$50.93M
Rank: #196 of 4,213 U.S. banks by assets · #13 of 115 in California. Assets changed 18.3% and deposits 16.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 14.33% |
| Net interest margin (YTD) | 3.29% |
| Equity to assets | 8.85% |
| Tier 1 leverage ratio | 9.71% |
| Uninsured deposits (share of deposits) | 30.2% |
| Noncurrent loans (share of loans) | 1.89% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 91.5% |
| Real estate loans (share of loans) | 98.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.69B | 98.9% | |
| Commercial & industrial | $147.24M | 2.6% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $498.18M | 8.7% | |
| Agricultural | $130.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $4.51B | $3.62B | $40.66M | $412.52M |
| Jun 2023 | $5.68B | $4.38B | $28.27M | $502.00M |
| Jun 2024 | $6.29B | $4.82B | $23.10M | $559.31M |
| Jun 2025 | $7.03B | $5.41B | $35.21M | $640.74M |
| Jun 2026 | $8.32B | $6.29B | $50.93M | $736.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $6.29B | 42 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $6.29B.
Similar-sized banks
Bankplus ($8.38B) · Univest Bank And Trust Co. ($8.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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