Poppy Bank: how it compares with its peers
Against 19 CA banks with half to twice its assets, Poppy Bank's strongest measure in Q2 2026 is assets per employee ($29.3M vs. a $13.1M peer median). Its weakest relative measure is net interest margin (3.29% vs. 3.64%).
| Measure | Poppy Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.29% | 1.28% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.29% | 3.64% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.18% | 46.95% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $29.3M | $13.1M | Top third Ahead of 88% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.46% | 81.37% | Context |
What it means for lending operations
Its efficiency ratio of 43.18% is better than the 46.95% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Hanmi Bank Los Angeles, CA · $7.95B
- Preferred Bank Los Angeles, CA · $7.73B
- First American Trust, FSB Santa Ana, CA · $9.23B
- Mizrahi Tefahot Bank, Ltd. Los Angeles, CA · $7.39B
- Tri Counties Bank Chico, CA · $9.93B
- SMBC MANUBANK Los Angeles, CA · $6.60B
Questions about Poppy Bank
How big is Poppy Bank?
Poppy Bank, established in 2005, is headquartered in Santa Rosa, CA. It reported $8.32B in total assets in its Q2 2026 FDIC call report and operates 45 offices.
What is Poppy Bank's return on assets?
1.29% annualized in Q2 2026, against a 1.28% median for 19 CA banks with half to twice its assets, ahead of 53% of them.
What is Poppy Bank's efficiency ratio?
43.18% in Q2 2026: it spent about 43 cents in noninterest expense for each dollar of revenue. The peer median is 46.95%, and lower is better.
Is Poppy Bank growing its loans?
Net loans grew 11.0% over the year to Q2 2026, while deposits grew 16.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.