Bank · FDIC insured
Poppy Bank
A $8.3B bank, the 192nd largest of 4,207, headquartered in Santa Rosa, CA, with 42 branches in California. Best rates: CDs 4.25% and savings 0.50% APY.
Poppy Bank Carrot Score
82
Carrot Score
Higher than 60% of U.S. banks and credit unions
#31 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Poppy Bank
Since opening its first branch in January 2005, Poppy Bank has operated as a subsidiary of Big Poppy Holdings.
The bank serves clients across California with branches in regions including the San Francisco Bay Area and Greater Los Angeles, specializing in commercial real estate, construction, and SBA and USDA business lending.
- Headquarters
- 111 Santa Rosa Avenue, Santa Rosa, CA 95404
- FDIC certificate
- 57903 ↗
Branches
42 branches in California
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California
42 branches
San Francisco area · 12
- Alameda Branch2531 Blanding Ave, Alameda, CA 94501Directions
- Corte Madera Branch137 Corte Madera Town Ctr, Corte Madera, CA 94925Directions
- Danville Branch680 Hartz Ave, Danville, CA 94526Directions
- Fremont Branch39152 Paseo Padre Pkwy, Fremont, CA 94538Directions
- Menlo Park525 El Camino Real, Menlo Park, CA 94025Directions
- Millbrae Branch139 S El Camino Real, Millbrae, CA 94030Directions
- Novato Branch140 Vintage Way, Novato, CA 94945Directions
- Pleasanton Branch5870 Stoneridge Mall Rd, Pleasanton, CA 94588Directions
- San Francisco Branch1750 Fulton St, San Francisco, CA 94117Directions
- San Rafael Branch4460 Redwood Hwy, San Rafael, CA 94903Directions
- Walnut Creek / Rossmoor Branch1956 Tice Valley Blvd, Walnut Creek, CA 94595Directions
- Walnut Creek Downtown Branch1383 S. Main Street, Walnut Creek, CA 94596Directions
Los Angeles area · 9
- Brea Branch235 E Imperial Hwy, Brea, CA 92821Directions
- Calabasas Branch4732 Commons Way, Suite E, Calabasas, CA 91302Directions
- Newport Beach Branch3007 E Coast Hwy, Corona Del Mar, CA 92625Directions
- Costa Mesa/Orange County Branch611 Anton Blvd, Costa Mesa, CA 92626Directions
- Laguna Hills Branch24231 Avenida De La Carlota, Suite 130, Laguna Hills, CA 92653Directions
- Long Beach Branch6290 E Pacific Coast Hwy, Long Beach, CA 90803Directions
- Los Angeles/Westwood10861 Weyburn Ave, Los Angeles, CA 90024Directions
- Pasadena Branch36 Sierra Madre Villa Avenue, Unit A, Pasadena, CA 91107Directions
- Santa Monica Branch2729 Wilshire Boulevard, Santa Monica, CA 90403Directions
Santa Rosa area · 6
- Poppy BankMain office111 Santa Rosa Avenue, Santa Rosa, CA 95404Directions
- Petaluma Branch100 2nd St, Petaluma, CA 94952Directions
- Fountaingrove Lodge Branch4210 Thomas Lake Harris Dr, Santa Rosa, CA 95403Directions
- Oakmont Branch6580 Oakmont Dr, Santa Rosa, CA 95409Directions
- Varenna Branch1401 Fountaingrove Pkwy, Santa Rosa, CA 95403Directions
- Windsor Branch9230 Old Redwood Hwy, Windsor, CA 95492Directions
San Diego area · 5
- Carlsbad Branch6985 El Camino Real, Carlsbad, CA 92009Directions
- Del Mar Branch2673 Via De La Valle, Del Mar, CA 92014Directions
- La Jolla/San Diego Branch7544 Girard Ave, La Jolla, CA 92037Directions
- San Diego Downtown Branch1011 Union St, San Diego, CA 92101Directions
- Scripps Ranch Branch10000 Scripps Ranch Boulevard, San Diego, CA 92131Directions
Sacramento area · 4
- Elk Grove Branch4810 Elk Grove Boulevard, Elk Grove, CA 95758Directions
- Folsom Branch2760 E. Bidwell Street, Folsom, CA 95630Directions
- Roseville Branch2250 Douglas Blvd, Roseville, CA 95661Directions
- Sacramento Branch3660 Crocker Drive, Sacramento, CA 95818Directions
San Jose area · 4
- Los Altos Branch400 Main St, Los Altos, CA 94022Directions
- Milpitas Branch555 E Calaveras Blvd, Milpitas, CA 95035Directions
- San Jose Branch5377 Prospect Road, San Jose, CA 95129Directions
- San Jose Downtown Branch1 S Market St Ste 10, San Jose, CA 95113Directions
Napa area · 1
- Napa Branch3270 California Blvd, Napa, CA 94558Directions
Santa Maria area · 1
- Santa Barbara Branch30 E Figueroa St, Santa Barbara, CA 93101Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.71% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 1.89% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.29% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalLeverage ratio9.71%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent1.89%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.29%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Poppy Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.