Santa Rosa, CA · Cert 57903 · Big Poppy Holdings Inc.
State charter, non-member · FDIC · 42 branches
Q2 2026
Market Position · Santa Rosa-Petaluma, CA · 2026 SOD (annual) · 17.8% share · #2 of 14 inst. · $3.5B of $19.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.78% | 0.97% | 1.07% | 1.12% | 1.16% | 1.29% | 1.30% | +23 bps | |
| Return on Equity | 9.60% | 8.81% | 10.93% | 11.76% | 12.30% | 12.79% | 14.16% | 14.49% | +273 bps | |
| Net Interest Margin | 2.21% | 2.36% | 2.47% | 2.92% | 2.88% | 2.87% | 3.05% | 3.40% | +48 bps | |
| Efficiency Ratio | 53.17% | 52.72% | 52.45% | 50.38% | 43.91% | 40.69% | 44.90% | 41.72% | -866 bps | |
| Non-Interest Burden | 1.14% | 1.23% | 1.26% | 1.42% | 1.20% | 1.11% | 1.31% | 1.34% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.70% | 17.62% | 14.48% | 11.77% | 12.17% | 9.33% | 14.80% | 18.33% | +655 bps | |
| Loan Growth (YoY) | 22.92% | 28.24% | 30.23% | 23.50% | 14.65% | 11.68% | 11.28% | 10.84% | -1,266 bps | |
| Deposit Growth (YoY) | 17.12% | 33.30% | 26.87% | 12.35% | 10.34% | 2.76% | 6.09% | 16.29% | +393 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.47% | 2.06% | 1.71% | 1.81% | 2.64% | 2.70% | 2.62% | 1.89% | +8 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.52% | -0.02% | 0.04% | 0.03% | 0.01% | 0.03% | 0.74% | +70 bps | |
| Allowance / Loans | 1.81% | 1.63% | 1.60% | 1.56% | 1.60% | 1.66% | 1.63% | 1.40% | -16 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.8x | 0.9x | 0.9x | 0.6x | 0.6x | 0.6x | 0.7x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.75% | 9.42% | 9.19% | 9.45% | 9.39% | 9.23% | 9.75% | 9.71% | +26 bps | |
| Total Risk-Based Capital | 11.81% | 12.80% | 12.80% | 12.95% | 13.13% | 13.28% | 13.87% | 14.07% | +112 bps | |
| Equity / Assets | 8.98% | 8.64% | 9.14% | 9.11% | 9.04% | 9.03% | 9.12% | 8.85% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.80% | 85.32% | 88.39% | 97.32% | 93.31% | 92.73% | 92.72% | 92.76% | -456 bps | |
| Liquid Assets / Assets | 7.61% | 9.73% | 5.89% | 6.11% | 8.65% | 11.23% | 12.90% | 15.24% | +913 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 645% | 650% | 624% | n/a | n/a | |