Poppy Bank (FDIC #57903): Bank Stress & Real-Estate Credit Exposure

Poppy Bank (FDIC Cert #57903): bank stress 69/100, elevated, STABLE over 7 days; parent BIG POPPY HOLDINGS INC.

Poppy Bank (#57903) lends in 14 counties across 1 state; Poppy Bank (#57903) reaches 911 ZIP codes: California 14 counties, 911 ZIPs.

Poppy Bank (#57903) largest markets: Los Angeles County, CA (1,520 branches, 304 ZIPs) (#57903), San Diego County, CA (580 branches, 116 ZIPs) (#57903), Orange County, CA (368 branches, 92 ZIPs) (#57903), Santa Clara County, CA (252 branches, 63 ZIPs) (#57903), Sacramento County, CA (174 branches, 58 ZIPs) (#57903), Alameda County, CA (159 branches, 53 ZIPs) (#57903).

Poppy Bank (#57903) reports $8.32 billion in total assets; Poppy Bank (#57903) equity $736.4 million (8.9% of Poppy Bank (#57903) assets); Poppy Bank (#57903) domestic deposits $6.29 billion; Poppy Bank (#57903) net income $50.9 million; Poppy Bank (#57903) return on assets 1.29%; Poppy Bank (#57903) return on equity 14.33%; Poppy Bank (#57903) net interest income $121.9 million; Poppy Bank (#57903) call report June 30, 2026.

Poppy Bank (#57903) noncurrent real-estate loans 0.40% of its book; Poppy Bank (#57903) residential 0.02%; Poppy Bank (#57903) net charge-offs on real estate 1.89%; Poppy Bank (#57903) residential charge-offs 2.21%.

Poppy Bank (#57903) net interest margin 3.29% against an eight-quarter Poppy Bank (#57903) average of 2.80% (Poppy Bank (#57903) compression -0.49 points); Poppy Bank (#57903) real-estate loans 39.6% of equity; Poppy Bank (#57903) non-residential real estate 220.6% of equity; Poppy Bank (#57903) rate-exposure score 40/100, Poppy Bank (#57903) fixed-rate trap 40/100; Poppy Bank (#57903) risk type credit driven; Poppy Bank (#57903) rate regime rates elevated, Poppy Bank (#57903) snapshot October 20, 2026.

Poppy Bank (#57903) stress score moved from 66.5 on June 22, 2026 to 68.8 on October 20, 2026; Poppy Bank (#57903) ranged 66.5 to 68.8 over 117 snapshots.

Poppy Bank (#57903) alerts: 14 counties; top Poppy Bank (#57903) alert scores: San Francisco County, CA 44 (moderate); Santa Barbara County, CA 42 (moderate); San Diego County, CA 42 (moderate); Sacramento County, CA 41 (moderate); Napa County, CA 37 (moderate).