Poppy Bank
Santa Rosa, CA · Cert 57903 · Peer group: banks $1B-$10B in assets (n=322-328) · Big Poppy Holdings Inc.
State charter, non-member · FDIC · 42 branches
Q2 2026
$8.3BAssets
$5.8BLoans
$6.3BDeposits
$736.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 92% of banks $1B-$10B in assets (rank 26 of 328).
- Widest gap: nonperforming loans / loans trails 90% of banks $1B-$10B in assets (rank 290 of 322).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.22%
Rank 163 of 328
Net Interest Margin
3.17%
Rank 222 of 328
Efficiency Ratio
43.18%
Rank 26 of 328
Equity / Assets
8.85%
Rank 262 of 328
Non-interest income vs. expense
Unfavorable gap of $100.0M · efficiency ratio beats 92% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.91% | 1.22% | 1.52% | Beats 50% | 163 / 328 | |
| Return on Equity | 13.83% | 8.43% | 11.45% | 14.43% | Beats 70% | 98 / 328 | |
| Net Interest Margin | 3.17% | 3.03% | 3.45% | 3.83% | Beats 32% | 222 / 328 | |
| Efficiency Ratio | 43.18% | 51.61% | 59.56% | 67.53% | Beats 92% | 26 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.89% | 0.24% | 0.51% | 1.03% | Beats 10% | 290 / 322 | |
| Net Charge-Offs / Loans | 0.19% | 0.01% | 0.03% | 0.10% | Beats 16% | 271 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 12.82% | 11.75% | 13.15% | 15.47% | Beats 45% | 179 / 328 | |
| Total Risk-Based Capital Ratio | 14.07% | 12.63% | 14.15% | 16.46% | Beats 48% | 169 / 328 | |
| Equity / Assets | 8.85% | 9.15% | 10.33% | 12.01% | Beats 20% | 262 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 92.76% | 76.63% | 87.92% | 95.36% | 68th pctl | 104 / 323 | |
| Loans / Assets | 70.18% | 65.18% | 74.15% | 79.98% | 38th pctl | 205 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |