BlastPoint's Banking Scorecard
Poppy Bank
Santa Rosa, CA
41 branches across CA
Poppy Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.16% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47.3% in tier
- - Delinquency Rate 1.77% above tier average
- - Nonperforming Asset Ratio 1.46% above tier average
- - Non-Interest Income / Assets 0.23% below tier average
- - ROA 0.08% below tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.8B
+14.8% YoY
+2.8% QoQ
|
+$5.0B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 4.8% in tier |
| Total Loans ? |
$5.5B
+11.3% YoY
+1.8% QoQ
|
+$3.5B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 4.9% in tier |
| Total Deposits ? |
$6.0B
+6.1% YoY
+1.8% QoQ
|
+$3.7B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 5.9% in tier |
| Return on Assets ? |
1.29%
+32.3% YoY
+19.4% QoQ
|
-0.08% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.13%
+18.8% YoY
+5.9% QoQ
|
-0.69% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
44.90%
-14.4% YoY
-3.5% QoQ
|
-16.16% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 11.0% in tier |
| Delinquency Rate ? |
2.66%
+53.6% YoY
-3.0% QoQ
|
+1.77% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.5% in tier |
| Loan-to-Deposit Ratio ? |
91.20%
+4.9% YoY
+0.0% QoQ
|
+7.00% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
13.02%
+47.5% YoY
+57.1% QoQ
|
-8.27% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
2.13%
+46.1% YoY
-0.6% QoQ
|
+1.46% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
12.62%
+9.3% YoY
+4.9% QoQ
|
-2.54% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.02%
+17.4% YoY
-73.3% QoQ
|
-0.23% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.