About Us

Since opening our first branch in January 2005, Poppy Bank has grown to thirteen 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, Oregon, and Arizona. 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

It is an exciting time at Poppy Bank! We grew nearly $450 million in 2017 and are rapidly expanding to new locations as we build our brand statewide. Most recently, we opened retail branches in Menlo Park and Orange County, 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 13-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 community, 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

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.

“If we need something, the Poppy Bank team is always available. And we wanted a bank truly dedicated to the local community. Poppy Bank is that and much more.”

Nancy Lang, CO-Owner
SAFARI WEST.

“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 went to Poppy Bank for an SBA loan. They said, ‘On paper you’re officially worth zero,’ yet they took a risk on our plan. Big banks would not have even looked at us.”

Scott Pritchard, President
TRANSPLANT TRANSPORTATION SERVICES.

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 LLC (OSL), 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.

Douglas H. Bosco

Douglas H. Bosco

Mr. Bosco practices business and regulatory law and his clients include some of California’s major landowners and insurers. He served in the state legislature (1978-82) and the United States Congress (1982-90) and for the past ten years has served as chairman of the California Coastal Conservancy. He is part owner of Sonoma Media Investments LLC and is a co-owner and founder of the Northwestern Pacific Railroad Co.

Ron Carli

Ron Carli

Mr. Carli served as President and Chief Executive Officer at American AgCredit for more than 30 years. He is a lifelong Sonoma County resident and a prominent and respected leader in the banking community. Mr. Carli’s contribution of his vast knowledge of the agricultural community is valuable in furthering our mission of being the bank of choice for Sonoma County businesses.

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, California, 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, California. 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, LLC of Santa Rosa, California. 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 Attorney and Partner in the Petaluma law firm of Baddeley, Oliker & Sartori. He has practiced law in Sonoma County for more than 35 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.

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 has nearly sixteen years of experience in public accounting, deeply specializing in financial institutions. Prior to joining Poppy Bank, he served as Senior Manager, Financial Services Audit for Crowe LLP. 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 35 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 will be the 2018 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.

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