TellerScore

Poppy Bank (FDIC certificate #57903) is based in Santa Rosa, California. Its Q2 2026 call report shows $8.3B in total assets and $6.3B in deposits and 45 offices.

Based on its Q2 2026 filing, Poppy Bank scores 52/100, which we describe as below average. That is higher than only 9% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 104th. Its strongest component is earnings (72/100; 1.29%), and its lowest is loan quality (37/100; 1.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality37/100
Noncurrent loans ÷ total loans: 1.89%
Earnings72/100
Return on assets (annualized): 1.29%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 91.5% · 30.2% uninsured
Problem-loan coverage68/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (50 → 52), mostly because the earnings component improved by 11 points.

TellerScore
414752Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202446
Q3 202444
Q4 202447
Q1 202551
Q2 202550
Q3 202542
Q4 202541
Q1 202645
Q2 202652
Tier 1 leverage ratio
5.00%7.61%10.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.21%
Q3 20249.75%
Q4 20249.42%
Q1 20259.19%
Q2 20259.45%
Q3 20259.39%
Q4 20259.23%
Q1 20269.75%
Q2 20269.71%
Noncurrent loans
1.71%2.20%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20242.44%
Q3 20242.47%
Q4 20242.06%
Q1 20251.71%
Q2 20251.81%
Q3 20252.64%
Q4 20252.70%
Q1 20262.62%
Q2 20261.89%
Return on assets
0.76%1.03%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.80%
Q4 20240.79%
Q1 20250.97%
Q2 20251.02%
Q3 20251.05%
Q4 20251.08%
Q1 20261.29%
Q2 20261.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$8.3B9.71%1.89%1.29%91.5%
Q1 202645$7.8B9.75%2.62%1.29%91.2%
Q4 202541$7.6B9.23%2.70%1.08%91.2%
Q3 202542$7.3B9.39%2.64%1.05%91.8%
Q2 202550$7.0B9.45%1.81%1.02%95.8%
Q1 202551$6.8B9.19%1.71%0.97%87.0%
Q4 202447$6.9B9.42%2.06%0.79%83.9%
Q3 202444$6.5B9.75%2.47%0.80%88.2%
Q2 202446$6.3B10.21%2.44%0.76%86.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.71%
29th
Total risk-based capital14.07%
55th
Problem loans1.89%
10th
Net charge-offs0.40%
10th
Return on assets1.29%
53rd
Net interest margin3.29%
26th
Efficiency ratio43.2%
90th
Loans to deposits91.5%
36th
Uninsured deposits30.2%
52nd
Loan-loss reserves1.40%
81st
Texas ratio16.2%
6th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Hanmi BankBank Los Angeles, CA73 out of 100, Strong$8.0B11.7%0.15%vs
Preferred BankBank Los Angeles, CA58 out of 100, Moderate$7.7B10.6%1.57%vs
First American Trust, FSBBank Santa Ana, CA67 out of 100, Moderate$9.2B7.9%0.00%vs
Mizrahi Tefahot Bank, Ltd.Bank Los Angeles, CA45 out of 100, Below average$7.4B0.0%0.12%vs
Tri Counties BankBank Chico, CA70 out of 100, Strong$9.9B12.0%0.94%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs

Deposit insurance

Is my money safe at Poppy Bank?

Yes. Poppy Bank is an FDIC-insured institution (FDIC certificate #57903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 30.2% of deposits ($1.9B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.07% (benchmark: 10%).

Check how much of your own balance is covered

45 locations

Branches

Poppy Bank lists 45 offices in 39 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Poppy Bank
Former names
First Community Bank
Type
State-chartered bank
FDIC certificate #
57903
RSSD ID
3232204
Primary regulator
FDIC
Holding company
Big Poppy Holdings Inc
Established
January 28, 2005
Headquarters
111 Santa Rosa Avenue, Santa Rosa, CA 95404
Employees
284

Quick answers

Poppy Bank: common questions

Is Poppy Bank FDIC insured?

Yes. Poppy Bank is an FDIC-insured institution (FDIC certificate #57903). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Poppy Bank's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Poppy Bank ever failed?

There is no failure record for FDIC certificate #57903 in the FDIC failed bank list.

How many branches does Poppy Bank have?

45 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Santa Rosa

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Sonoma Federal Credit UnionCredit union Santa Rosa, CA83 out of 100, Strong$80.0M13.5%0.63%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Redwood Credit UnionCredit union Santa Rosa, CA78 out of 100, Strong$10.7B13.3%0.72%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs