Poppy Bank


438 First Street
Santa Rosa, CA 95404
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 1.65% →
1-Year CD 0.50% 2.02% →
2-Year CD 0.75% 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

Poppy Bank is an FDIC insured institution located in Santa Rosa, CA. It was founded in 2005 and has approximately $4.06 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 57903
Date Established 2005
Assets $ 4.06 billion
Loans $ 2.75 billion
Deposits $ 3.50 billion
Capital $ 344.23 million

For a more detailed analysis of Poppy Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.10% $2,500 $4,999 Learn More
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $1,000 - Learn More
18 Mo CD
1.00% $10,000 $14,999 Learn More
18 Mo CD
1.00% $100,000 $199,999 Learn More
24 Mo CD
0.75% $1,000 - Learn More

Variable IRA Rates APY MIN MAX
0.05% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - June 26, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Poppy Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
5.575% 5.500%
0.88 points
$2,078 fees
$1,420 Learn More

Note to Poppy Bank
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Climate Initiatives

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Financial Details

Poppy Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Poppy Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Poppy Bank U.S. Bank Average
18.4% 3.95%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2021, Poppy Bank had $78,684,000 in non-current loans and $1,000,000 in owned real estate. To cover these potential losses it had $344,233,000 in equity and $88,813,000 in loans loss reserves. That gives it a Texas Ratio of 18.4%.

Return on Equity
Poppy Bank U.S. Bank Average
22.13% 10.50%

Poppy Bank has a Return on Equity of 22.13% versus the BestCashCow average of 10.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Poppy Bank U.S. Bank Average
8.48% 11.55%

Poppy Bank has a Capitalization of 8.48% versus the BestCashCow average of 11.55. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Poppy Bank Balance Sheet Analysis

As of December 31, 2021, Poppy Bank had assets of $4,058,335,000, loans of $2,745,553,000, and deposits of $3,501,920,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2021
Cash & Balances due from depository institutions $ 265.16 million
Interest-bearing balances $ 252.78 million
Total securities $ 919.34 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.75 billion
Loan loss allowance $ 88.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.00 million
Goodwill and other intangibles $ 0.60 million
All other assets $ 123.23 million
     Total Assets $ 3.71 billion
Total deposits $ 3.50 billion
      Interest-bearing deposits $ 3.20 billion
      Deposits held in domestic offices $ 3.50 billion
      % insured (estimated) 47.28%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 196.00 million
Subordinated debt N.A.
All other liabilities $ 16.18 million
      Total Liabilities $ 3.71 billion
      Shareholders’ Equity $ 344.23 million

Summary Income Statement

December 31, 2021
Total Interest Income $ 128.01 million
Total Interest Expense $ 23.66 million
Net interest income $ 104.35 million
Provision for loan and lease losses N.A.
Total non interest income $ 1.97 million
Total non interest expense $ 38.42 million
Pre-tax Net Operating Income $ 67.90 million

Bank Loan Profile?

The top three loan types in Poppy Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, Poppy Bank has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 5.55
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 9.19
Construction and Development Loans 4.80
Commercial Real Estate 71.91
Commercial and Industrial Loans 16.77
Farm Loans 0.00

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