About Us

Since opening our first branch in January 2005, Poppy Bank has grown to over $2 Billion in assets with branches across the San Francisco Bay Area, Roseville and Southern California. We also have loan production offices in Northern and Southern California, as well as in Washington, Utah, Arizona, North Carolina, and New Jersey. Our commitment to providing the best products and services has propelled our success and garnered national recognition of our performance. Poppy Bank is 5-star rated by BauerFinancial, the nation’s leading independent bank and credit union rating firm, and is recognized as one of the strongest financial institutions in the country. The Bank is governed by our strong team of Executive Officers and a dedicated Board of Directors formed entirely by accomplished business leaders. We exist to meet the banking needs of our clients and to make a positive difference in the communities we serve.

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Message from the CEO

Khalid Acheckzai, President & Chief Executive Officer

I would like to thank our clients, employees and shareholders for making 2018 such a successful year and for setting the foundation for our continued growth in 2019 and beyond. In 2018 we grew to nearly $2 Billion in assets and expanded into the Southern California market. We are rapidly expanding to new locations as we build our brand statewide. Most recently, we opened retail branches in Menlo Park, Roseville, Orange County/Costa Mesa, Los Angeles/Westwood, and Pleasanton, and added two Small Business Lending offices in Southern California. We look forward to serving new communities as we grow and expand geographically.

Poppy Bank specializes in business lending including commercial loans and lines of credit, commercial real estate, construction and SBA/USDA loans. We have built a reputation of responding quickly to loan requests, turning applications around expeditiously, and efficiently closing loans through a streamlined, hassle-free process. In addition, we offer a full array of personal and business banking products and services including deposit products, cash management services and ACH processing.

We are the 14-time winner of Best Places to Work in the North Bay and recipient of the North Bay Biz Top 500 Companies Award. Each and every employee of Poppy Bank is dedicated to providing extraordinary service and building relationships with our clients. We give back to our communities through supporting employee volunteer hours, serving on non-profit boards of directors, and sponsoring events. We are committed to our clients and communities, all of whom we consider an integral part of the Poppy Bank family.

Come see us today at any one of our convenient locations, or contact us to learn more about how Poppy Bank is the solution for all of your banking needs. We look forward to serving you!

Poppy Bank is Rated 5-Stars

We Are Rated 5-Stars by BauerFinancial*

Poppy Bank is recognized as one of the strongest financial institutions in the country.
– Security
– Strength
– Reliability

*BauerFinancial, Inc. is the nation’s leading independent bank and credit union rating firm.
www.bauerfinancial.com (800) 388-6686

Board of Directors

Khalid Acheckzai, CPA

Mr. Acheckzai is the President & Chief Executive Officer of Poppy Bank. Prior to his position as President & Chief Executive Officer, Mr. Acheckzai served as the Chief Financial Officer and Chief Operating Officer of Poppy Bank. He has over twenty years of combined banking experience both working in the banking industry and providing auditing, consulting, and risk management services to financial institutions. Mr. Acheckzai is a CPA and received his Bachelor’s Degree in Business Administration with a concentration in Accounting from California State University, Hayward. He is also a graduate of the Pacific Coast Graduate School of Banking at the University of Washington.

Bill Gallaher

William P. Gallaher

Mr. Gallaher is Chairman of the Board of Poppy Bank. He is a principal in Oakmont Senior Living in Santa Rosa, which since 1995 has developed senior assisted living and Alzheimer’s care communities in three western states. Mr. Gallaher was a successful homebuilder in Sonoma County, having built more than 500 homes in Oakmont and throughout the Santa Rosa and Windsor, California areas.

Ajaib Bhadare

Ajaib Bhadare

Mr. Bhadare is a Scholar of London and a 25-plus-year veteran of the telecommunications industry. Mr. Bhadare was a co-founder of Cerent, acquired by Cisco Systems in 1999 and he was founding Director of Calix Systems, a public company. Currently, Mr. Bhadare is founder and Chief Executive Officer of Billa Management, a diverse real estate and development company.

Ron Carli

Ron Carli

Mr. Carli served as President and Chief Executive Officer at American Ag Credit for more than 30 years. He is a prominent and respected leader in the banking community. Mr. Carli’s contribution of his vast knowledge of the business and agricultural community is valuable in furthering Poppy Bank’s mission of being the bank of choice for all business types.

Doris Farinacci

Doris Farinacci

Ms. Farinacci is a Partner of Accounting, Tax and Business Consultation Services at LTSP, Inc., a full-service certified public accounting firm based in Newport Beach, and is a member of the American Institute of Certified Public Accountants. She came to LTSP, Inc. from the banking profession in 1984 and became a partner in 1996. Ms. Farinacci is very active in civic affairs and has served on the Board of Directors of the Girl Scouts of Orange County from 2003 through 2015 which included two terms as Board Chair.

Patrick Gallaher

Patrick Gallaher

Mr. Gallaher is retired from Oakmont Senior Living in Santa Rosa, where he worked in real estate development, accounting, and as a consultant. He formerly served as a director of Sonoma National Bank from 1992 until 2007.

Molly Gallaher Flater

Molly Gallaher Flater

Ms. Flater is the Chief Operating Officer of Oakmont Senior Living and Gallaher Homes in Santa Rosa. Under Ms. Flater’s surveillance, the company has achieved phenomenal occupancy and strong operating margins both on the senior living and standard multi-family housing portfolios. Ms. Flater served on the Poppy Bank Board of Directors from 2013 to 2015 and rejoins the Board after serving as the Founding Chairwoman of Blue Gate Bank from 2016 to 2018.

Brent W. Koch

Brent W. Koch

Mr. Koch brings over 25 years of experience to the Poppy Bank Board of Directors. Mr. Koch is a Managing Principal of Wealth Management Strategies and President of Paramount Strategies Group. Since joining AXA Advisors, LLC in 1988, he has been recognized as one of AXA’s elite, receiving multiple honors and awards. For more than 10 years, Mr. Koch has designed and implemented some of the most advanced and sophisticated estate, business and wealth transfer strategies in the industry.

Steve McCullagh

Steve McCullagh

Mr. McCullagh is in charge of senior housing site acquisition and development for Oakmont Senior Living in Santa Rosa. He was formerly Chief Credit Officer and board member at Sonoma National Bank and brings over 20 years of community banking experience in Northern California to Poppy Bank.

Louis Ratto

Louis Ratto

Mr. Ratto was in the solid waste and recycling business for over 25 years. In 2017 his company was acquired by Recology of San Francisco. He continues to be involved in environmental consulting. Mr. Ratto is also active in property management and development as well as real estate investing in Northern California.

Duane Sartori

Duane Sartori

Mr. Sartori is an attorney to the Petaluma law firm of Baddeley, Oliker & Sartori, a Professional Law Corporation. He has practiced law in Sonoma County for more than 40 years and specializes in estate planning and administration.

John Scharer

John Scharer

Mr. Scharer is a retired principal in the Petaluma real estate firm of Hudson & Scharer. He served as City Manager for the City of Petaluma from 1981-1997 before retiring. John was Director of Finance for the City of Petaluma from 1974-1981 and Chief Financial Officer for Redwood Empire Savings & Loan Association in Petaluma.

Komron Shahhosseini

Komron Shahhosseini

Mr. Shahhosseini serves as Regional Director of site acquisitions and development at Oakmont Senior Living in Santa Rosa and is an expert on the subject of land use and development. Mr. Shahhosseini has developed real estate projects throughout California, including mixed-use and multi-family developments, retirement communities, and affordable housing. He serves on the board of directors of Burbank Housing a regional non-profit affordable housing developer. He understands the complexities of building energy projects and the factors that matter to local decision-makers. For more than ten years, Mr. Shahhosseini has served on the Sonoma County Planning Commission.

Executive Officers

Khalid Acheckzai, CPA

Khalid Acheckzai, CPA

President & Chief Executive Officer

Mr. Acheckzai has over twenty years of combined banking experience both working in the banking industry and providing auditing, consulting, and risk management services to financial institutions. Prior to his position as President & Chief Executive Officer, Mr. Acheckzai served as the Chief Financial Officer and Chief Operating Officer of Poppy Bank. Mr. Acheckzai is a CPA and received his Bachelor’s Degree in Business Administration with a concentration in Accounting from California State University, Hayward. He is also a graduate of the Pacific Coast Graduate School of Banking at the University of Washington.

Andrew D. Fuller, CPA

Andrew D. Fuller, CPA

Executive Vice President
Chief Financial Officer & Chief Risk Officer

Mr. Fuller joined Poppy Bank in August 2018. Prior to joining Poppy Bank, he served as Senior Manager, Financial Services Audit for Crowe LLP, where he had sixteen years of experience in public accounting, deeply specializing in financial institutions. Mr. Fuller is a CPA and received his Bachelor of Science in Business Administration with a concentration in Accounting from Sonoma State University.

Tony Ghisla

Tony Ghisla

Executive Vice President
Chief Lending Officer

Mr. Ghisla brings nearly 38 years of banking expertise focused on lending production and credit administration to Poppy Bank. Before starting at the Bank, Tony was at Exchange Bank for 23 years as the Executive Officer in charge of commercial, real estate and SBA lending. He is actively involved in the community and is currently serving as the Chairman of the Board for Santa Rosa Memorial Hospital’s Board of Trustees.

Dan Ryan

Dan Ryan

Executive Vice President
Chief Credit Officer

Mr. Ryan brings nearly twenty years of banking experience to Poppy Bank. Prior to joining the Bank, he served as Senior Vice President/Credit Risk & Portfolio Administrator for Tri Counties Bank. In addition to Credit Administration, he has held positions in Finance/Accounting, Risk Management, and Internal Audit. Dan received his Bachelor’s Degree with options in both Finance and Accounting as well as his Masters of Business Administration from California State University, Chico. He is also a graduate of the Graduate School of Banking at Colorado.

Client Testimonials

“Poppy Bank took a personal interest in the work we were doing. They made an important connection for us, opening up a new market for us.”

Co-Founders Kathy Patterson, Stacey Schuett, and Fred Patterson
SEBASTOPOL MICROGREENS.

“I’d been talking to another bank about buying this business but they were slow and not very available. Then I got connected to the team at Poppy Bank, and they were incredible. They explained everything, advised me on where to put my energy, and made sure every detail was right. It was a relatively small loan, but they treated me like I was worth millions.”

David Mohle
ACCENT PRINTING AND DESIGN.

“Poppy Bank surprised me with a family feeling, creating a real relationship. Everything was streamlined, easy and hassle-free—from my SBA loan to setting up a 401K plan and money market accounts.”

Kevin Jones, Franchise Partner/Owner
FASTSIGNS.

“We weren’t getting personal attention from our bank and they couldn’t give us a larger line of credit. Poppy Bank stepped up.”

Andrew Hutchins, COO
THINK TANK.

“We couldn’t have done it without Poppy Bank. Through several expansions of our business, the bank’s expertise has been invaluable for both our short- and long-term planning needs. Our beer has been shipped to 35 states and seven countries.”

Richard R. Norgrove, President & CEO
BEAR REPUBLIC BREWING CO.

Giving Back to the Community

“Since 2005, Poppy Bank has helped our organization provide 100,000 meals for our neighbors in need. From sponsoring our annual Empty Bowls Dinner & Auction and our Annual Food & Funds Drive, to donating funds for fire relief, Poppy Bank’s partnership has enabled our organization to end hunger every day for the many children, families, seniors and individuals struggling with hunger. On behalf of the 82,000 people we serve, and our team, thank you Poppy Bank for your continued partnership in the fight to end hunger. You’ve made a tremendous impact and we are immensely grateful.”

Caryn Mali, Corporate Relations Manager

“Poppy Bank continues to give back to the community and is a strong supporter of Go Red for Women! Thank you for making our community healthier!”

Stacey Gibbons, Executive Director

“At Council on Aging, we consider ourselves fortunate for the 14+ years banking relationship we have had with Poppy Bank. We know from experience, you do not receive the personal service from large banking institutions that you do with Poppy Bank. Those personal relationships ensure quick assistance with just a phone call. There is nowhere else we would rather do our banking business. In addition to the wonderful service, Council on Aging has been the grateful recipient of Poppy Bank’s community support and investment. Poppy Bank believes in supporting our senior community and the 20 senior service programs that we provide, including Meals on Wheels.”

Marrianne McBride, President and CEO

“Poppy Bank is local, personalized community banking at its absolute best. Poppy Bank is a committed supporter of Habitat for Humanity of Sonoma County going back to 2011. Thanks to Poppy Bank’s commitment to affordable housing, they have participated in the development of 10 Habitat for Humanity of Sonoma County houses. Poppy Bank plays a key role in the sustainability and success of Habitat for Humanity of Sonoma County in developing affordable housing for our community”

Mike Johnson CEO, Habitat for Humanity of Sonoma County

“Poppy Bank is local, personalized banking at its absolute best. As a business customer, the Boys & Girls Club of Greater Santa Rosa joined Poppy Bank for their excellence in customer service as well as their partnership in giving back to the community they serve. At every encounter, our organization has been met with the kind of friendly, personal service that makes us feel like we’re their most important customer.”

Amber Heidtke, Executive Director

“Poppy Bank has been a strong supporter of the Children’s Museum of Sonoma County going back to 2005 when it was just a mobile museum in the back of a van. Thanks to Poppy’s commitment to early childhood development and access for all children, the Children’s Museum was able to finance and implement a one-acre outdoor space at the Museum called Mary’s Garden, which is devoted to nature and environmental sustainability, water conservation and renewable energies. With its continued support, Poppy Bank plays a key role in the mission of the Children’s Museum to bring curiosity and creativity to all children through joyful, transformative experiences.”

Collette Michaud, CEO and Founder

“Poppy Bank has been a strong supporter of the Sonoma County Family YMCA for years. Their investments help local people of all ages, abilities and backgrounds reach their fullest potential in YMCA programs like preschool, afterschool care, diabetes prevention and Safety Around Water. Poppy Bank is a tremendous asset to the YMCA and those we serve.”

Michelle Covington, Chief Advancement Officer

“It is my privilege to provide the following testimonial regarding our long history of business partnership together. As YWCA Sonoma County continues to expand we rely on our banking partnership with Poppy Bank for deposit services, online banking and their lending expertise. For us, Poppy makes a positive difference in our community by sharing and supporting YWCA’s commitment to keep Sonoma County families safe from harm.”

Madeleine Keegan O’Connell, Chief Executive Officer

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