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BDI
PB

Poppy Bank

Santa Rosa, CaliforniaFDIC Cert #57903

STATEEstablished 200539 branches

Holding company: BIG POPPY HOLDINGS INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$1.65B
Investor CRE$1.52B
Multifamily$775M
Construction$556M
1–4 family$902M
C&I$143M
Agriculture$34.8M
Other$26K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$5.58B
+11.3%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSGR
Net loans
$5.49B
+11.3%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
Loans YoY
+11.25%
−63.7%y/y
Percentile by value76th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET
L/D
91.2%
+4.9%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + DEP
Loans/assets
70.4%
−3.1%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNLSNET + ASSET
RE loans %
97.60%
+0.2%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
360%
−2.2%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
70%
−1.6%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,175points
−7.6%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
29.55%
−9.4%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROW + LNLSGR
Investor CRE %
27.22%
−9.2%y/y
Percentile by value73rd percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNRENROT + LNLSGR
C&I %
2.57%
−6.2%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 3 — Insured commercial banks having assets between $3 billion and $10 billion
FDICLNCI + LNLSGR