BlastPoint's Banking Scorecard

Poppy Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57903

Santa Rosa, CA

42 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +16.3% year over year ($6.3B on the books).
Delinquency rate 1.91%.
Return on assets 1.29%.
Efficiency ratio 43.18% vs a 59.73% peer average.
Loan-to-deposit ratio 91.46% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Poppy Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 16.54% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.05% above tier average
- Nonperforming Asset Ratio 0.92% above tier average
- Non-Interest Income / Assets 0.47% below tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.58% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$8.3B +18.3% YoY +6.7% QoQ	+$5.5B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 4.0% in tier
Total Loans ?	$5.8B +11.0% YoY +4.9% QoQ	+$3.8B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 4.2% in tier
Total Deposits ?	$6.3B +16.3% YoY +4.6% QoQ	+$4.0B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 4.7% in tier
Return on Assets ?	1.29% +26.7% YoY +0.3% QoQ	-0.10%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	3.29% +15.0% YoY +5.0% QoQ	-0.58%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	43.18% -15.9% YoY -3.8% QoQ	-16.54%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 9.7% in tier
Delinquency Rate ?	1.91% +4.0% YoY -28.1% QoQ	+1.05%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 9.8% in tier
Loan-to-Deposit Ratio ?	91.46% -4.5% YoY +0.3% QoQ	+6.42%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	10.92% +38.5% YoY -16.1% QoQ	-10.35%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 12.5% in tier
Nonperforming Asset Ratio ?	1.59% -0.6% YoY -25.4% QoQ	+0.92%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 9.0% in tier
Tier 1 Capital Ratio ?	12.82% +9.6% YoY +1.6% QoQ	-2.03%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.06% +24.0% YoY +132.0% QoQ	-0.47%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 3.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	10.9% +3.0pp YoY -2.1pp QoQ	-10.4pp	21.4%	25.5%	22.2%	12%
Brokered Deposits	3.9% -0.5pp YoY 0.0pp QoQ	-5.6pp	9.5%	11.0%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	2.6% -0.2pp YoY -0.1pp QoQ	-11.4pp	14.0%	11.8%	12.5%	8%
CRE	79.3% -3.6pp YoY -2.7pp QoQ	+29.2pp	50.0%	67.5%	41.4%	95%
1-4 Family	19.0% +3.8pp YoY +2.6pp QoQ	-7.4pp	26.4%	16.5%	31.3%	40%
Consumer	n/a	n/a	4.7%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.8% +1.1pp YoY +0.2pp QoQ	-2.8pp	15.6%	23.7%	19.7%	38%
Leverage Ratio	9.7% +0.3pp YoY 0.0pp QoQ	-1.6pp	11.3%	14.5%	12.6%	28%
Total Capital Ratio	14.1% +1.1pp YoY +0.2pp QoQ	-2.6pp	16.7%	25.1%	20.8%	40%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	284 +33 (+13.1%) YoY +3 (+1.1%) QoQ	-30	313	337	482	62%
Assets per Employee ($)	$29.3M +4.6% YoY +5.6% QoQ	+$18.8M	$10.5M	$11.3M	$8.8M	97%
Branch Count	42 +9 (+27.3%) YoY +3 (+7.7%) QoQ	+22	20	15	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.9% +0.1pp YoY -0.7pp QoQ	+1.1pp	0.8%	1.4%	1.0%	92%
Allowance Coverage	0.74x -13.7% YoY +19.6% QoQ	-17.97x	18.71x	17.11x	20.23x	13%
Net Charge-off Rate (YTD)	0.4% +0.4pp YoY +0.4pp QoQ	+0.1pp	0.3%	0.3%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	14.3% +3.0pp YoY +0.2pp QoQ	+1.7pp	12.6%	8.2%	11.6%	68%
Cost of Funds (YTD)	2.9% -0.6pp YoY 0.0pp QoQ	+1.0pp	1.9%	1.9%	1.7%	95%
Net Income ($, YTD)	$50.9M +44.7% YoY — QoQ	+$31.7M	$19.2M	$28.5M	$40.4M	94%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Assets

size

Value: $8.32B

Peer Median: $2.79B

#36 of 885 Top 4.0% in $1B-$10B

Total Loans

size

Value: $5.76B

Peer Median: $1.96B

#38 of 885 Top 4.2% in $1B-$10B

Total Deposits

size

Value: $6.29B

Peer Median: $2.32B

#43 of 885 Top 4.7% in $1B-$10B

Efficiency Ratio

profitability

Value: 43.18%

Peer Median: 59.73%

#87 of 885 Top 9.7% in $1B-$10B

Top Weaknesses (4 metrics)

852

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.53%

#852 of 885 Bottom 3.8% in $1B-$10B

806

Nonperforming Asset Ratio

credit_quality

Value: 1.59%

Peer Median: 0.67%

#806 of 885 Bottom 9.0% in $1B-$10B

797

Delinquency Rate

credit_quality

Value: 1.91%

Peer Median: 0.87%

#797 of 882 Bottom 9.8% in $1B-$10B

775

Non-Interest-Bearing Deposit Share

funding

Value: 10.92%

Peer Median: 21.27%

#775 of 885 Bottom 12.5% in $1B-$10B