BlastPoint's Banking Scorecard
Poppy Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 57903
Santa Rosa, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Poppy Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.06% above tier
- - Nonperforming Asset Ratio 1.65% above tier
- - Non-Interest Income / Assets 0.87% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
+9.3% YoY
+3.7% QoQ
|
-$2.9B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$5.4B
+11.6% YoY
+2.3% QoQ
|
-$1.7B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$5.9B
+2.8% YoY
+3.0% QoQ
|
-$2.6B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.08%
+36.2% YoY
+2.6% QoQ
|
-0.09% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.96%
+26.6% YoY
+0.9% QoQ
|
-0.44% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
46.54%
-11.5% YoY
-4.4% QoQ
|
-10.07% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
2.74%
+30.9% YoY
+2.2% QoQ
|
+2.06% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
91.19%
+8.7% YoY
-0.7% QoQ
|
+5.72% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
8.29%
-9.7% YoY
+17.5% QoQ
|
-12.35% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
2.15%
+26.4% YoY
+0.4% QoQ
|
+1.65% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 4% in tier |
| Tier 1 Capital Ratio ? |
12.02%
+3.8% YoY
+1.3% QoQ
|
-1.53% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.09%
+28.2% YoY
+26.3% QoQ
|
-0.87% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
2.74%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
2.15%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.09%
(Tier avg: 0.96%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Efficiency Ratio
Current: 46.54% · Tier avg: 56.60%
44
44th pctile
Total Loans
Current: $5.4B · Tier avg: $7.1B
44
44th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
40
40th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
35
35th pctile
Total Deposits
Current: $5.9B · Tier avg: $8.5B
35
35th pctile
Loan-to-Deposit Ratio
Current: 91.19% · Tier avg: 85.47%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.55%
27
27th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.40%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 8.29% · Tier avg: 20.64%
5
5th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.68%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
2
2th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.96%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.96%
4
4th pctile
Nonperforming Asset Ratio
Current: 2.15% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.74% · Tier avg: 0.68%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 8.29% · Tier avg: 20.64%
27
27th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.40%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.02% · Tier avg: 13.55%
35
35th pctile
Loan-to-Deposit Ratio
Current: 91.19% · Tier avg: 85.47%
35
35th pctile
Total Deposits
Current: $5.9B · Tier avg: $8.5B
40
40th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
44
44th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $5.4B · Tier avg: $7.1B
83
83th pctile
Efficiency Ratio
Current: 46.54% · Tier avg: 56.60%