# POPPY BANK
SANTA ROSA, CA · FDIC certificate 57903 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.32B | |
| Deposits | $6.29B | |
| Loans and leases | $5.84B | |
| Total equity | $736.4M | |
| Loans / deposits | 91.46% (p64 of band) | 87.10% |
| Liquid assets / assets | 25.01% (p64 of band) | |
| Uninsured deposits / deposits | 30.25% (p48 of band) | 30.76% |
| Brokered deposits | 2.92% | |
| Wholesale funding | 16.75% (p84 of band) | |
| FHLB advances / assets | 11.12% | |
| Tier 1 leverage | 9.71% (p29 of band) | 10.50% |
| Unrealized securities loss / equity | -7.93% (p49 of band) | -7.75% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 1.29% (p53 of band) | 1.26% |
| Net interest margin | 3.29% (p26 of band) | 3.70% |
| Efficiency ratio | 43.18% (p11 of band) | |
| Noncurrent loans | 1.89% (p90 of band) | 0.51% |
| Net charge-offs (annualized) | 0.28% (p90 of band) | |
| Reserve coverage of noncurrent | 74.36% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 67.65% (p70 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 16.3% | |
| Employees | 284 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | noncurrent p90 |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money |
| 2012-06 | 7 |  |  |
| 2012-09 | 6 |  | uninsured deposits leaving |
| 2012-12 | 5 | uninsured deposits leaving | construction >100% equity, noncurrent p90 |
| 2013-03 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2019-12 | 1 |  | capital falling, run vulnerability |
| 2020-03 | 0 |  | uninsured deposits >50% |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | uninsured deposits >50% |  |
| 2021-03 | 0 |  | capital falling, uninsured deposits >50% |
| 2021-06 | 2 | uninsured deposits >50%, noncurrent p90 |  |
| 2021-09 | 2 | capital falling | noncurrent p90 |
| 2021-12 | 2 | noncurrent p90 | capital falling |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 2 | wholesale funding >15% | uninsured deposits >50% |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | brokered >10%, uninsured deposits leaving |  |
| 2023-06 | 5 | capital falling |  |
| 2023-09 | 3 |  | noncurrent p90, capital falling |
| 2023-12 | 5 | NIM <2.5%, noncurrent p90 |  |
| 2024-03 | 2 |  | brokered >10%, uninsured deposits leaving, noncurrent p90 |
| 2024-06 | 5 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 | capital falling | wholesale funding >15%, brokered >10% |
| 2025-03 | 3 |  | NIM <2.5% |
| 2025-06 | 3 | wholesale funding >15% | capital falling |
| 2025-09 | 2 |  | wholesale funding >15% |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 4 | wholesale funding >15%, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 [Poppy Bank review (2026): A California bank with one of the best online savings account rates (available nationwide) - Yahoo Finance](https://news.google.com/rss/articles/CBMilAFBVV95cUxQZVA2YWZtVy1HQjVIUGt0TUVIb3RmMUZhMFR0ODIyQ1F5VHpFY29PaTlURFczR1pWNWZUYzlBQklXZkx0M1hJVTBDM1FPQW9HYXdwQWlfemxFOUc3bW4zc21DZWlPTWJCLUQ3WE84aWIySWxzc0JZZTZpQXlTN1dQUkdhTV9ZVjgtWThkb1U3Yms3TklN?oc=5) · Yahoo Finance
- 2026-05-21 [Santa Rosa’s Poppy Bank bets big on branches, aiming for 50 locations - The Press Democrat](https://news.google.com/rss/articles/CBMiggFBVV95cUxNUFhVUjIySzJtUGtHeDlySWsyaWtuRTdtQXJUbkNKXzVwc1gwSnNOaHp6VTNDTi1vVTgxRWN2MWJ5UEZJT29QaWZXRzhES01HQXhfMzJEdHJoQ0lyWVNFRzIyYTl4aFYtZUhDeGxzQzdjdnJNZENNWWFubW9nOUU4MzdB?oc=5) · The Press Democrat
- 2026-08-20 [Bay Area bank stakes first claim outside of California, but says it won't move HQ there - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPdW1XTDk5Q1pYUm4ybGY4a18tbnU0SHdvbmgxM2FrMzBIZ3MtTkJaWnVKdTdfT3djWENDWm9pb0xrNXhhYmMzLUIzN3V6QTNva0F3RVh6R0hSbk5SOXlzQVlNb3JTOFRaRURHSVV6d29FbDlYV2VVeHdDWmlfWFpfQTl5QlpuaWF2cWxXSk95cUFoRlB4aGZqdFRSeFY5SVdzVlE?oc=5) · The Business Journals
- 2026-08-25 [The best regional banks in the Bay Area - SFGATE](https://news.google.com/rss/articles/CBMibkFVX3lxTFA1RVVHLTlZWUdkWnFEMHVMYWFvRmxTT1o0Um5taWN2NjgyQUllUld2bGxCTGFIN3l4THlxR0ZPZkh3V2ZpWXF6b0NjdnZyeE5qeGVXSlRCSGNNWGFnUEhnV0pwZFRmOFBpNl9OS3F3?oc=5) · SFGATE
- 2025-11-21 [Poppy Bank expands into Danville; San Ramon branch on tap for 2026 - Danville San Ramon](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPZmZIcmIyZzd1WXJCS1M4MXVPeUtGQnlWSVpXWUNmZnNzZWtPMXBKVUdEMjNnRk40VUpzMmJfREtlaUlDb2lzdUJSelgtWGJQMWg1Wms1MVZjRm9CbjZiYXJOV2RlVXR0UWpNcWNIVDAyZW5JRmRCU3JfMnhmdXNxU1FfRGVjcy1uQVRQc21Rb0ZtZXZpTGdvSm9KdEc3OW9CQ3FYODRHbUVqSnVaMGJlMEd6bm90XzVlbzY4?oc=5) · Danville San Ramon
- 2026-03-30 [Poppy Bank scouts for Financial District space as it plans more Bay Area branches - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQkVJcEYzVUhBRExUaFFXUk01a0R6X0s3cHRSd3djYWk4aTFtRVZCVXBrbld2NXI5QW9OQ3RhWGIzYnlOek5iWmk4LUhveHBUeXdRQ3Y3c3V3S0xnLTN2ZmFyUVNmSC1taHQ5d0pGeGZWRU9tT1RuZ1d5Qkl6OWlkaUZBNGhwRnlvRzQ2VHZJNWRELTBmZFhPQkJYVmR1dmlYY2RLYVVXQXRYc1dfWGZR?oc=5) · The Business Journals
- 2025-10-08 [Poppy Bank to hold Grand Opening ribbon cutting of Danville Branch Oct. 15 - Contra Costa Herald](https://news.google.com/rss/articles/CBMipwFBVV95cUxPa0ZKdjlWckVlZjM0NERGbU5HQ0x1R0dMaU45VFpTMmlyRUFpZ3FEWnp1VHpZcDFWcGZ3d3k2RlFUdTdrOU1XVlFkclBWS3FzWTc3Tzk0SjBpQ1lISWZjSjFINVFuc3cxRWxQMkcwaWxudmF2dXBweVZ1YlhPaFZrTklwTXlVMUNzaFpOeWRBWWpTUHdlZWtoQk9TajhFdmlSRUZkTV9Qaw?oc=5) · Contra Costa Herald
- 2025-12-27 [Poppy Bank offers one of the best rates on its online savings account — here's what we think of it - CNBC](https://news.google.com/rss/articles/CBMia0FVX3lxTE5zVWpIY29lZHY2RXh0Ql9EYWtidVIydXQzbTlOeG8yNDR5NWdrT2FXQUZRRDVJVzB1cWx4YzNDZkdFQnBiS2hWZkJMeTB2ck5PVFlfSmt2VzFNOFhRSDMxLVhmMXg2UWs4TWI00gFwQVVfeXFMTjdrUzFPV1MtV3NxOEFVVUxRNzRlWjVMSXNkQXBlN2N5c3Nudl9hd0s3RENhVWhfVHRwWU5rbGxiRFI5MDhfaDBjb3hTMUU2ZjJfd0NCZVBtTDFTdEhacnI3NkJ1UGhWOURVTXp3QmFhRQ?oc=5) · CNBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57903 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "57903", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide