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Bank, Santa Rosa, CA
Poppy Bank
A bank based in Santa Rosa, CA. Its commercial book is led by owner-occupied CRE and non-owner-occupied CRE. Public files show recent SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $4.74B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 68
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $8.32B
- FDIC call report,
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How to reach them
Each line shows where it came from
- Phone
- 888-636-9994 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.poppy.bankFrom the FDIC record, November 9, 2026.
- Commercial lending page
- poppy.bankFrom the lender's website, retrieved November 11, 2026.
- Address
- 111 Santa Rosa Avenue, Santa Rosa, CA 95404FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Poppy Bank's Multifamily balance rose 18.6% to $919.6M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 16 opened, 2 closed, 2 relocated.FDIC structure history. | FDIC history |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 0.8% to $1.5B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 35.4% to $919.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 93 small business loans totaling $33.8M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Apr 2026 | California | SBA 504, Full-Service Restaurants | $670K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Hotels (except Casino Hotels) and Motels | $8.5M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, All Other Health and Personal Care Retailers | $1.7M | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Professional, Scientific, and Technical Services | $770K | 25 yr | SBA FOIA | ||
| Mar 2026 | California | SBA 504, Other Miscellaneous Durable Goods Merchant Wholesalers | $420K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Gasoline Stations with Convenience Stores | $1.2M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Other Miscellaneous Nondurable Goods Merchant Wholesalers | $1.1M | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Wineries | $1.5M | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Full-Service Restaurants | $580K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Offices of Dentists | $330K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Full-Service Restaurants | $880K | 25 yr | SBA FOIA | ||
| Dec 2025 | California | SBA 504, Offices of Dentists | $620K | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, General Freight Trucking, Long-Distance, Truckload | $1.7M | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, All Other Professional, Scientific, and Technical Services | $1.5M | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, Full-Service Restaurants | $470K | 25 yr | SBA FOIA | ||
| Nov 2025 | California | SBA 504, Full-Service Restaurants | $330K | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, Wholesale Trade | $1M | 25 yr | SBA FOIA | ||
| Sep 2025 | California | SBA 504, Limited-Service Restaurants | $600K | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 504, Administrative and Support and Waste Management and Remediation Services | $3.3M | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 504, Offices of Chiropractors | $960K | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 504, Other Construction Material Merchant Wholesalers | $890K | 25 yr | SBA FOIA | ||
| Jul 2025 | California | SBA 504, Other Personal and Household Goods Repair and Maintenance | $160K | 25 yr | SBA FOIA | ||
| Jun 2025 | California | SBA 504, Wood Kitchen Cabinet and Countertop Manufacturing | $2.6M | 25 yr | SBA FOIA | ||
| Jun 2025 | California | SBA 504, Wood Kitchen Cabinet and Countertop Manufacturing | $1.9M | 25 yr | SBA FOIA | ||
| May 2025 | California | SBA 7(a), Architectural Services | $1M | 9.5% | 10 yr | SBA FOIA | |
| 67 SBA 504 first liens since October 2023, net of cancelled | $215M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $920M | 15.8% | +35.4% |
| Construction and land development | $498M | 8.5% | +8.3% |
| Owner-occupied CRE | $1.61B | 27.6% | -1.6% |
| Non-owner-occupied CRE | $1.53B | 26.2% | +0.8% |
| Farmland | $33.0M | 0.6% | -15.6% |
| Commercial and industrial | $147M | 2.5% | +3.4% |
| Commercial total | $4.74B |
Reference only: $1.10B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $3.11B |
| Q4 2023 | $3.15B |
| Q1 2024 | $3.19B |
| Q2 2024 | $3.62B |
| Q3 2024 | $4.04B |
| Q4 2024 | $4.28B |
| Q1 2025 | $4.40B |
| Q2 2025 | $4.48B |
| Q3 2025 | $4.52B |
| Q4 2025 | $4.62B |
| Q1 2026 | $4.68B |
| Q2 2026 | $4.74B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 1 | $1M | $1M | $1M | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 67 | $215M | $1.49M | $12M | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 14 | $96.4M |
| Full-Service Restaurants | 5 | $2.93M |
Other lenders in these fields: SBA lenders for hotels and motels, SBA lenders for restaurants.
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Poppy Bank reported making 93 small business loans totaling $33,805,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 23 of $100,000 or less, 19 over $100,000 up to $250,000, 51 over $250,000 up to $1 million.
- 35 of them, totaling $14,223,000, went to businesses with revenue of $1 million or less.
- Poppy Bank reported making 1 small farm loans totaling $200,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 0 of $100,000 or less, 1 over $100,000 up to $250,000, 0 over $250,000 up to $500,000.
- 1 of them, totaling $200,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Sonoma County, CA | 46 | $16.4M |
| Los Angeles County, CA | 11 | $4.57M |
| Contra Costa County, CA | 5 | $810K |
| Sacramento County, CA | 5 | $1.68M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Poppy Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $258,442,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $46,221,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 132 | $4.38M |
| Over $100,000 up to $250,000 | 128 | $17.0M |
| Over $250,000 up to $1 million | 156 | $55.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 12 | $179K |
| Over $100,000 up to $250,000 | 37 | $5.06M |
| Over $250,000 up to $1 million | 425 | $215M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2 | $77.0K |
| Over $100,000 up to $250,000 | 16 | $2.13M |
| Over $250,000 up to $500,000 | 9 | $2.64M |
| Original amount | Loans | Holds |
|---|---|---|
| Over $100,000 up to $250,000 | 1 | $130K |
Where it lends
Offices beside loans on record
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Poppy Bank has 42 offices in 14 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 42 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Sonoma County, CA | 6 | 0 |
| Los Angeles County, CA | 5 | 0 |
| San Diego County, CA | 5 | 0 |
| Orange County, CA | 4 | 0 |
| Santa Clara County, CA | 4 | 0 |
| Alameda County, CA | 3 | 0 |
| Contra Costa County, CA | 3 | 0 |
| Marin County, CA | 3 | 0 |
| Sacramento County, CA | 3 | 0 |
| San Mateo County, CA | 2 | 0 |
| Napa County, CA | 1 | 0 |
| Placer County, CA | 1 | 0 |
| San Francisco County, CA | 1 | 0 |
| Santa Barbara County, CA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $124M | $84.7M to $259M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 355.8% | 87.6% to 537.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 60.1% | 1.4% to 75.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 92.8% | 65.3% to 97.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $258M | $140M to $991M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 70.2% | 49.7% to 84.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Tri Counties Bank | CA | $9.93B | $5.77B |
| Fremont Bank | CA | $5.97B | $2.18B |
| Hanmi Bank | CA | $7.95B | $5.30B |
| Bank of Stockton | CA | $4.99B | $1.85B |
| Preferred Bank | CA | $7.73B | $5.50B |
| Five Star Bank | CA | $5.38B | $4.02B |
| Community West Bank | CA | $5.02B | $2.66B |
| Farmers and Merchants Bank of Long Beach | CA | $11.8B | $5.35B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Poppy Bank, FDIC certificate 57903. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $8.32B in total assets and $4.74B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 68 recorded loans from SBA files, through September 30, 2026: 1 SBA 7(a) in 36 months, 67 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Poppy Bank]
- Phone and website. Phone 888-636-9994, from the lender's website on November 9, 2026. Website poppy.bank, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 93 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 57903
- RSSD
- 3232204
- LEI
- 5493008G1MFZT6ZVIK41
- The Lender Report ID
- lr_000248
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Santa Rosa-Petaluma, CA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $8.3B in total assets as of June 30, 2026 (FDIC call report).
- Held $4.7B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.6B of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $1.5B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.8% from a year earlier (FDIC call report).
- Held $919.6M of multifamily loans as of June 30, 2026, up 35.4% from a year earlier (FDIC call report).
- Recorded 1 SBA 7(a) approval totaling $1M from October 1, 2023 to September 30, 2026 (SBA).
7 more sentences
- Provided the first lien on 68 SBA 504 projects with $216.1M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 45 offices in 1 state (FDIC).
- Reported making 93 small business loans totaling $33.8M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 1 small farm loan totaling $200K in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 416 commercial and industrial loans that were $1 million or less when made, with a balance of $77.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 474 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $220.7M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $258.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Poppy Bank, https://lender.report/lender/poppy-bank-ca/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Poppy Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem