Poppy Bank
Santa Rosa, California · FDIC Cert #57903
Poppy Bank is an FDIC-insured bank (Certificate #57903) with $6.3B in total assets and $4.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Santa Rosa, California, the bank maintains a Tier 1 capital ratio of 11.00% (Well-Capitalized) and a nonperforming loan ratio of 2.44%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Poppy Bank (FDIC cert 57903) is a mid-sized bank with $6.3B in total assets and $4.8B in deposits, based in Santa Rosa, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 11.00% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.44% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 28.1% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.05% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Poppy Bank carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Poppy Bank
- Total Assets
- $6.3B
- Total Deposits
- $4.8B
- Tier 1 Capital Ratio
- 11.00%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.44%
- Liquidity Ratio
- 28.05%
- Return on Assets
- 1.05%
- Headquarters
- Santa Rosa, California
- FDIC Certificate
- #57903
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Poppy Bank holds a Tier 1 capital ratio of 11.00%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Poppy Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Poppy Bank shows strong financial health indicators. With $6.3B in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Poppy Bank Compares
Poppy Bank’s Health Score of 69 is 3 points below the California state average of 72 across 123 FDIC-insured banks. Its 11.00% Tier 1 capital ratio is 3.0 points below the US banking industry average near 14%. The 2.44% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.05% is below the national ROA benchmark of ~1.1%. Among 234 similarly-sized banks, the average Health Score is 74, meaning this bank ranks below its size cohort. Site-wide, Poppy Bank is 1 points below the portfolio average of 70.
Frequently Asked Questions
Poppy Bank has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.00%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Poppy Bank's Tier 1 capital ratio of 11.00% and nonperforming loan ratio of 2.44% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Poppy Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57903). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Poppy Bank holds $6.3B in total assets and $4.8B in total deposits. It is headquartered in Santa Rosa, California (FDIC Certificate #57903).
Poppy Bank has a Tier 1 capital ratio of 11.00%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.44%, and the return on assets is 1.05%.
Yes. Poppy Bank is FDIC-insured (Certificate #57903). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Poppy Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.