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Poppy Bank
Santa Rosa, CA·FDIC Cert #57903·Charter: STATE·Est. 20050128.0·HC: BIG POPPY HOLDINGS INC
Total Assets
$7.6B
Q4 2025
Return on Assets
1.08%
+0.03%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
46.54%
Peer avg: 57.1%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.08%+0.03
ROE
11.97%+0.29
Efficiency
46.54%-2.13
Equity/Assets
0.00%+0.00
NPL Ratio
2.74%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.19%-0.62
Charge-offs
0.01%-0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.8 | 1.0 | 1.0 | 1.0 | 1.1 |
| ROE | 8.9 | 8.4 | 8.8 | 8.8 | 10.9 | 11.3 | 11.7 | 12.0 |
| Efficiency | 51.0 | 52.1 | 52.5 | 52.6 | 52.5 | 51.3 | 48.7 | 46.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 2.5 | 2.5 | 2.1 | 1.7 | 1.8 | 2.7 | 2.7 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.2 | -0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 84.2 | 86.8 | 88.2 | 83.9 | 87.0 | 95.8 | 91.8 | 91.2 |
Balance Sheet
Total Assets$7.6B
Total Deposits$5.9B
Total Loans$5.4B
Total Equity$685.3M
Profitability
ROA1.08%
ROE11.97%
Efficiency Ratio46.54%
Net Income$76.8M
Risk & Asset Quality
NPL Ratio2.74%
Charge-off Rate0.01%
Loan/Deposit91.19%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans