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FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Financial Insights

Whether you want to grow your business, optimize your cashflow, or plan for your future, we are here to help you succeed. 

Public

In light of recent news about the Banking industry and the uncertainty that it has caused, I wanted to reach out to you to let you know your money is safe with us. Poppy Bank is a very strong financial institution with strong capital, liquidity and risk management practices. The three banks that failed had unique characteristics that contributed to their failure. One of the banks relied heavily on deposits from fintech and venture capital firms, while the other two relied heavily on crypto currency deposits.

At Poppy Bank, we apply a more conservative approach to managing our balance sheet. We do not deal with crypto currencies or provide financing to start ups. Additionally, we are extremely careful in how we invest client deposits in securities and loans. Specifically, we avoid concentrations in long-term, fixed rate securities. As of December 31, 2022, our securities portfolio consisted primarily of high-quality government securities with variable rates that reprice every three months or less, so we are not exposed to the same interest rate risk and investment losses being mentioned in recent news reports.

Other points to note about Poppy Bank:

  • We are rated “5-Stars” by BauerFinancial Inc., “A” by Egan-Jones Rating Company, and “A+” by DepositAccounts.com, and we are recognized as one of the strongest financial institutions in the nation
  • We are opening 10 branches in 2023, a testament to our growth and strength
  • We do not rely on fintech, venture capital, or crypto currency deposits

As a result of Poppy Bank’s strength and the security of our clients’ deposits, we are in fact being contacted by clients of other banks about moving deposits to us from other financial institutions. We will continue to apply conservative decision making to ensure our clients’ deposits remain safe and secure. Thank you for being a valued client of Poppy Bank.

Sincerely,

CEO Khalid Signature

Khalid Acheckzai
President and CEO
Poppy Bank

Commercial Property Assessed Clean Energy (C-PACE) Financing

C-PACE provides long-term, fixed rate and low cost capital to commercial property owners for water conservation, seismic and clean energy projects — and can be used to retroactively finance energy-efficient construction that has already been completed.

C-PACE is a national initiative with renewable energy programs tailored to meet local market needs. Programs are approved by local government and passed by state legislature. Then, program carriers like Poppy Bank are able to qualify projects and provide the financing.

Unlike other project financing, the borrowed capital from C-PACE projects is repaid over time via a voluntary tax assessment on the property. The security provided by the tax assessment, results in long term investments in building performance and transferability of the payment obligations to the next property owner when sold.

Location

Financing Terms

No money down

Up to 100% project financing

Five, 10 and 30 year, fully-amortized terms

No payments required for up to 12 months or more

Capital reimbursement on projects for up to 3 years upon jurisdiction approval

No personal guarantees

Progress payments available

No pre-payment penalty options

Qualifying Commercial Properties

We proudly serve a multitude of industries. Properties that qualify include, but are not limited to:


HOSPITALITY

Hospitality

RETAIL

Retail

OFFICE

Office

Multi-Family

MULTIFAMILY

Mixed Use

MIXED USE

Non-Profit

NONPROFIT

Qualifying Projects

C-PACE financing may cover a significant percentage of the overall building property value and can be used for hundreds of energy-efficient improvements, including: seismic retrofitting for commercial buildings or industrial properties located in earthquake-prone areas, installation of solar panels or boilers, energy-efficient roofing, LED lighting upgrades and more. If what you are envisioning isn’t listed here, contact us to learn more about your options.


Air Conditioning

Air Conditioning

Ceiling Fan

HVAC Upgrades

Cooling Towers

Duct Sealing

Furnace

Insulation

Green Roof

Attic Insulation

Air Sealing

Siding

Control Systems

Skylights

Seismic Retrofits

Building Openings for Natural Light

Building Openings for Natural Light

Glass Doors

Light Tubes

Windows

Window & Door Blinds

Awnings

Lighting Control Systems

LED Lighting Fixtures

Lighting Control Systems

High Efficiency Lighting

SMART Project Pathway Lighting

Lighting Including Occupancy Sensors


Plumbing

Plumbing Repair System

Faucet Aerators

Toilet Fixtures

Deionization Equipment

Pre-Rinse Spray Valves

Hot Water System Controller

Hot Water System Controller

Storage Water Heater

Tankless Water Heater

Filtration

SMART Recirculation System

Solar Power

Solar Water Heater

Solar Pool Heater

Solar PV System

Batteries

Solar Storage

Microgrids

Landscaping

Irrigation System

Landscaping

Sprinklers

Rainwater Catchment

Recycled Water Source Projects

Recover Cash From Previous Projects Today!

Commercial property owners who have completed eligible projects within the past three years may be able to retroactively finance their projects with C-PACE financing. Retroactive financing allows property owners to pull additional liquidity out of their asset with C-PACE’s low-rate, long-term financing. To learn more about Poppy Bank’s C-PACE program contact Dan Ryan at dryan@poppy.bank.

CPACE Building

Open a Poppy Premier Online Savings Account Today!

Poppy Premier Online Savings

Poppy Bank’s Premier Online Savings allows you the flexibility to open an account from anywhere. Maximize the most of your deposits and
allow your cash to make money for you with one of the best high-yield savings accounts available. Get the most from your deposits today! Poppy
Bank’s Premier Online Savings account is FDIC-insured up to the allowable limits.

Visit One of our California Branch Locations to Learn More About Poppy Bank’s Products and Services

Poppy Bank can create a personal deposit portfolio that will put your money to work for you! We recognize that achieving your personal financial goals is very important and we are pleased to offer a full spectrum of competitive products and services to help. Below is a listing of our personal products and services. Please contact us for a more detailed explanation and schedule of fees and charges.

Open a Personal Certificate of Deposit Account by Visiting One of Our Many Branch Locations

Below is a listing of available Personal CD accounts. Please contact us for a more detailed explanation and schedule of fees and charges.

Features3-MONTH CD6-MONTH CD9-MONTH CD12-MONTH CD
Minimum Balance Requirement$1,000$1000$1,000$1,000
Interest Rate (a)3.44%3.44%3.20%3.20%
Annual Percentage Yield (a)3.50%3.50%3.25%3.25%
Automatically Renews at Maturity (b)YesYesYesYes
Free Online/Mobile Banking AccessYesYesYesYes
Statement FrequencyQuarterlyQuarterlyQuarterlyQuarterly
Early Withdrawal Penalty (c)3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity
Features18-MONTH CD24-MONTH CD36-MONTH CD48-MONTH CD60-MONTH CD
Minimum Balance Requirement$1,000$1,000$1,000$1,000$1,000
Interest Rate (a)2.96%2.96%2.96%2.96%2.96%
Annual Percentage Yield (a)3.00%3.00%3.00%3.00%3.00%
Automatically Renews at Maturity (b)YesYesYesYesYes
Free Online/Mobile Banking AccessYesYesYesYesYes
Statement FrequencyQuarterlyQuarterlyQuarterlyQuarterlyQuarterly
Early Withdrawal Penalty (c)3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity3.00% of principal withdrawn prior to maturity

(a) Interest will be compounded daily and credited to your account monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit noncash items (for example, checks). If you close your account before interest is credited, you will receive your accrued interest. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
(b) Your CD account will automatically renew at maturity for the same term length. You will have a grace period of seven calendar days after the maturity date to withdraw funds without penalty. We will notify you in advance of your account automatically renewing to provide the new maturity date, and you can contact us at (888) 636-9994 to learn what the interest rate and annual percentage yield will be upon renewal. You may call us at the same number to withdraw your funds at maturity or during the seven-day grace period.
(c) We will impose a penalty if you withdraw any of the principal from your account before the maturity date. The fee imposed will equal 3.00% of the principal amount withdrawn early.

Refer to the Personal Schedule of Fee & Charges for additional fees that may apply to your account.

Contact Us

POPPY BANK ADMINISTRATION
438 1st St., Suite 100
Santa Rosa, CA 95401

The Client Service Center is open Monday through Friday
7:00 a.m. to 8:00 p.m. PST

Phone: (888) 636-9994

LOAN OPERATIONS / LOAN SERVICING

Phone: (888) 636-9994 Option 2
LoanHelp@poppy.bank

NOTE:

Electronic email (e-mail) communication is NOT encrypted. Do NOT send Social Security Numbers, Account Numbers, or other sensitive information.

Careers

Welcome and thank you for your interest in a career with Poppy Bank.

We are the 20-time winner of the North Bay Business Journal “Best Places to Work in the North Bay” award and a recipient of the NorthBay Biz Magazine “Top 500 Companies” award!

Career Opportunities

We invite you to review our open positions and, if you meet the qualifications specified, complete and submit an online employment application.

We will contact you if your qualifications meet the requirements of the position. Applicants must be at least 18 years of age and, if hired, able to verify legal right to work in the United States.

Please no recruiters, agencies, third-party agents or consultants – only direct applications from candidates. Inquiries may be directed to the Human Resources department at humanresources@poppy.bank

Diversity

At Poppy Bank, we believe our workforce should mirror the communities in which we live, work and provide service. We are committed to fostering an inclusive environment where the individual differences among us are respected and appreciated, whether in terms of race, color, religion, creed, gender, gender identity/expression, marital status, age, national origin, ancestry, physical or mental disability, genetic information, sexual orientation, medical condition, military or veteran status, or any other characteristic protected by federal, state, or local laws.

As an affirmative action and equal opportunity employer, Poppy Bank is committed to fair employment practices. We do not tolerate discrimination based on race, color, religion, creed, gender, gender identity/expression, marital status, age, national origin, ancestry, physical or mental disability, genetic information, sexual orientation, medical condition, military or veteran status, or any other characteristic protected by federal, state, or local laws. Poppy Bank is committed to providing equal opportunities for all applicants and employees in recruiting, hiring, placement, training, compensation and benefits, promotion, transfer and termination. Our objective is to recruit and retain the most qualified individual for each position. It is the goal of Poppy Bank to provide each employee with a productive work environment free from any form of prohibited discrimination.

Our Affirmative Action Policy and Equal Employment Opportunity Statements are available for review by clicking the following link:

Locations

Please see the individual branch hours for each location below.
To reach our Santa Rosa Corporate Offices, please call (707) 636-9000.

Hayward Branch

22359 Foothill Boulevard
Hayward, CA 94541

BranchATM Withdrawal & Deposit

Directions to Hayward Branch | Hours & Info for Hayward Branch

Palm Desert Branch

72996 El Paseo
Suite 200
Palm Desert, CA 92260

BranchATM Withdrawal & Deposit

Directions to Palm Desert Branch | Hours & Info for Palm Desert Branch

Brea Branch

235 E Imperial Hwy
Suite A
Brea, CA 92821

(714) 880-7205

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Brea Branch | Hours & Info for Brea Branch

Fresno/Clovis Branch

785 W. Herndon Avenue
Suite 100
Clovis, CA 93612

BranchATM Withdrawal & Deposit

Directions to Fresno/Clovis Branch | Hours & Info for Fresno/Clovis Branch

San Diego Downtown Branch

1011 Union Street
Suite 106
San Diego, CA 92101

BranchATM Withdrawal & Deposit

Directions to San Diego Downtown Branch | Hours & Info for San Diego Downtown Branch

Danville Branch

680 Hartz Avenue
Danville, CA 94526

(925) 255-9760

BranchATM Withdrawal & Deposit

Directions to Danville Branch | Hours & Info for Danville Branch

Fresno ATM Only

4120 N West Ave
(Inside Save Mart)
Frenso, CA 93705

ATM Withdrawal & Deposit

Directions to Fresno ATM Only | Hours & Info for Fresno ATM Only

Santa Monica Branch

2729 Wilshire Boulevard
Santa Monica, CA 90403

424-401-9280

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Santa Monica Branch | Hours & Info for Santa Monica Branch

Del Mar Branch

2673 Via de la Valle
Suite H
Del Mar, CA 92014

858-838-4297

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Del Mar Branch | Hours & Info for Del Mar Branch

Corporate Headquarters – Office of the CEO

111 Santa Rosa Avenue
Suite 320
Santa Rosa, CA 95404

Pasadena Branch

36 Sierra Madre Villa Avenue
Unit 101
Pasadena, CA 91107

(626) 525-0018

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Pasadena Branch | Hours & Info for Pasadena Branch

Rocklin Branch

1071 Whitney Ranch Parkway
Suite 100
Rocklin, CA 95765

BranchATM Withdrawal & Deposit

Directions to Rocklin Branch | Hours & Info for Rocklin Branch

Scripps Ranch Branch

10000 Scripps Ranch Blvd
#102
San Diego, CA 92131

(619) 625-3854

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Scripps Ranch Branch | Hours & Info for Scripps Ranch Branch

San Jose West Branch

5377 Prospect Road
San Jose, CA 95129

(669) 286-1860

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to San Jose West Branch | Hours & Info for San Jose West Branch

Petaluma
John L. Scharer Branch

100 2nd Street
Petaluma, CA 94952

(707) 636-9030

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Petaluma
John L. Scharer Branch
| Hours & Info for Petaluma
John L. Scharer Branch

Walnut Creek Downtown Branch

1383 S. Main Street
Walnut Creek, CA 94596

(925) 233-3071

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Walnut Creek Downtown Branch | Hours & Info for Walnut Creek Downtown Branch

Alameda Branch

2531 Blanding Avenue
(Inside Nob Hill Foods)
Alameda, CA 94501

(510) 865-9040

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Alameda Branch | Hours & Info for Alameda Branch

Walnut Creek Rossmoor Branch

1956 Tice Valley Blvd
Walnut Creek, CA 94595

(925) 938-9050

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Walnut Creek Rossmoor Branch | Hours & Info for Walnut Creek Rossmoor Branch

Corte Madera Branch

137 Corte Madera Town Center
(Inside Safeway)
Corte Madera, CA 94925

(415) 927-9080

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Corte Madera Branch | Hours & Info for Corte Madera Branch

Milpitas Branch

555 E. Calaveras Blvd.
(Inside Safeway)
Milpitas, CA 95035

(408) 708-7410

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Milpitas Branch | Hours & Info for Milpitas Branch

Windsor Branch

9230 Old Redwood Hwy
(Inside Oliver's Market)
Windsor, CA 95492

(707) 836-1588

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Windsor Branch | Hours & Info for Windsor Branch

Menlo Park Branch

525 El Camino Real
(Inside Safeway)
Menlo Park, CA 94025

(650) 838-9095

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Menlo Park Branch | Hours & Info for Menlo Park Branch

Costa Mesa Branch

611 Anton Blvd
Suite 110
Costa Mesa, CA 92626

(714) 551-5448

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Costa Mesa Branch | Hours & Info for Costa Mesa Branch

Millbrae Branch

139 South El Camino Real
Millbrae, CA 94030

(650) 231-5826

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Millbrae Branch | Hours & Info for Millbrae Branch

Roseville Branch

2250 Douglas Boulevard
Suite 190
Roseville, CA 95661

(916) 945-2155

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Roseville Branch | Hours & Info for Roseville Branch

Los Angeles Westwood Branch

10861 Weyburn Avenue
(Inside Ralphs Grocery Store)
Los Angeles, CA 90024

(310) 824-8105

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Los Angeles Westwood Branch | Hours & Info for Los Angeles Westwood Branch

Pleasanton Branch

5870 Stoneridge Mall Road
Suite 100
Pleasanton, CA 94588

(925) 737-0373

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Pleasanton Branch | Hours & Info for Pleasanton Branch

La Jolla Branch

7544 Girard Avenue
(Inside Pavilions)
La Jolla, CA 92037

(858) 454-1013

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to La Jolla Branch | Hours & Info for La Jolla Branch

Napa Branch

3270 California Blvd
Suite I
Napa, CA 94558

(707) 636-9780

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Napa Branch | Hours & Info for Napa Branch

San Rafael Branch

4460 Redwood Highway
San Rafael, CA 94903

(415) 492-0143

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to San Rafael Branch | Hours & Info for San Rafael Branch

San Francisco Branch

1750 Fulton Street
(Inside Lucky)
San Francisco, CA 94117

(415) 797-6230

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to San Francisco Branch | Hours & Info for San Francisco Branch

Long Beach Branch

6290 E. Pacific Coast Highway
(Inside Ralphs Grocery Store)
Long Beach, CA 90803

(562) 206-0246

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Long Beach Branch | Hours & Info for Long Beach Branch

Fremont Branch

39152 Paseo Padre Parkway
Fremont, CA 94538

(510) 961-7040

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Fremont Branch | Hours & Info for Fremont Branch

Elk Grove Branch

4810 Elk Grove Boulevard
Suite 190
Elk Grove, CA 95758

(279) 786-0280

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Elk Grove Branch | Hours & Info for Elk Grove Branch

Sacramento Branch

3660 Crocker Drive
Suite 130
Sacramento, CA 95818

(279) 786-0258

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Sacramento Branch | Hours & Info for Sacramento Branch

Folsom Branch

2760 E. Bidwell Street
(Inside Bel Air)
Folsom, CA 95630

(279) 786-0260

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Folsom Branch | Hours & Info for Folsom Branch

Laguna Hills Branch

24231 Avenida De La Carlota
Suite 130
Laguna Hills, CA 92653

(949) 832-8003

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Laguna Hills Branch | Hours & Info for Laguna Hills Branch

Roseville Corporate Offices

2250 Douglas Boulevard
Suite 220
Roseville, CA 95661

Varenna Branch

ATM Withdrawal Only

Residents Only

Fountaingrove Lodge Branch

ATM Withdrawal & Deposit

Residents Only

Antioch ATM Only

3190 Contra Loma Blvd.
(Inside Lucky)
Antioch, CA 94509

ATM Withdrawal & Deposit

Directions to Antioch ATM Only | Hours & Info for Antioch ATM Only

Concord ATM Only

1751 Monument Blvd.
(Inside FoodMaxx)
Concord, CA 94520

ATM Withdrawal & Deposit

Directions to Concord ATM Only | Hours & Info for Concord ATM Only

Sacramento ATM Only

2501 Fair Oaks Blvd.
(Inside Save Mart)
Sacramento, CA 95825

ATM Withdrawal & Deposit

Directions to Sacramento ATM Only | Hours & Info for Sacramento ATM Only

Hayward ATM Only

22555 Mission Blvd.
(Inside Lucky)
Hayward, CA 94541

ATM Withdrawal & Deposit

Directions to Hayward ATM Only | Hours & Info for Hayward ATM Only

Segovia ATM Only

39905 Via Scena
(Inside Segovia Retirement Community)
Palm Desert, CA 92260

ATM Withdrawal Only

Directions to Segovia ATM Only | Hours & Info for Segovia ATM Only

Carlsbad Branch

6985 El Camino Real
Suite A104
Carlsbad, CA 92009

(442) 212-1190

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Carlsbad Branch | Hours & Info for Carlsbad Branch

Calabasas Branch

4732 Commons Way
Suite E
Calabasas, CA 91302

(747) 746-1043

BranchATM Withdrawal & Deposit

Opening at 10:00 am today.

Directions to Calabasas Branch | Hours & Info for Calabasas Branch

San Mateo Branch

1111 El Camino Real
San Mateo, CA 94401

BranchATM Withdrawal & Deposit

Directions to San Mateo Branch | Hours & Info for San Mateo Branch

Novato Branch

140 Vintage Way
Suite G3
Novato, CA 94945

BranchATM Withdrawal & Deposit

Directions to Novato Branch | Hours & Info for Novato Branch

La Mesa Branch

5484 Grossmont Center Drive
La Mesa, CA 91942

BranchATM Withdrawal & Deposit

Directions to La Mesa Branch | Hours & Info for La Mesa Branch

Santa Barbara Branch

30 E. Figueroa Street
Santa Barbara, CA 93101

BranchATM Withdrawal & Deposit

Directions to Santa Barbara Branch | Hours & Info for Santa Barbara Branch

Los Altos Branch

400 Main Street
Suite 190
Los Altos, CA 94022

(650) 530-1408

BranchATM Withdrawal & Deposit

Open today until 5:00 pm.

Directions to Los Altos Branch | Hours & Info for Los Altos Branch

San Ramon Branch

116 Sunset Drive
Suite C-4
San Ramon, CA 94583

BranchATM Withdrawal & Deposit

Directions to San Ramon Branch | Hours & Info for San Ramon Branch

San Jose Downtown Branch

1 South Market Street
Suite 10
San Jose, CA 95113

(669) 215-2995

BranchATM Withdrawal & Deposit

Directions to San Jose Downtown Branch | Hours & Info for San Jose Downtown Branch

Bank Holidays

Additional hours of operation where The Bank is closed for holidays through 2026.

For holidays falling on a Sunday, Poppy Bank will be closed the following Monday.

New Year’s DayJan. 1
Martin Luther King Jr. DayJan. 19
Presidents’ DayFeb. 16
Memorial DayMay 25
JuneteenthJune 19
Independence DayJuly 4
Labor DaySept. 7
Columbus Day/Indigenous Peoples’ DayOct. 12
Veterans DayNov. 11
Thanksgiving DayNov. 26
Christmas DayDec. 25
Money Pass

Additional ATM Locations

Moneypass and Moneypass Free Locations

Poppy Bank is proud to be a member of the Moneypass and Moneypass free ATM network. Moneypass free locations offer the ability to access your cash free of charge using your Poppy Bank ATM or visa debit card. The Moneypass free ATM network spans 24 states: Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Missouri, Minnesota, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Tennessee, Utah, Washington, Wisconsin and Wyoming. The entire Moneypass network includes ATM locations in 47 contiguous states plus the District of Columbia.

Moneypass makes it easy to find participating Moneypass Free and Moneypass ATMs across the nation through www.moneypass.com.

About Us

Since opening our first branch in January 2005, Poppy Bank has grown to over $7 Billion in assets with branches across the San Francisco Bay Area, Roseville-Sacramento Area, Greater Los Angeles, Orange County, and Greater San Diego Areas. We also have lenders in Northern and Southern California, as well as in Nevada, Arizona and Texas. Our commitment to providing the best products and services has propelled our success and garnered national recognition of our performance. Poppy Bank has been ranked as one of the best-performing banks in the nation by the ICBA and named among the fastest-growing companies in America by Inc. 5000. 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.

California flowers

Message from the CEO

Khalid Acheckzai, President & Chief Executive Officer

Khalid Acheckzai, President & Chief Executive Officer

Despite the many recent challenges in the economy and the Banking industry, Poppy Bank continues to thrive and grow. Our strength, reliability and safe risk management practices continue to set us apart. Poppy Bank has garnered national recognition for performance by American Banker, the ICBA, and S&P Global. Furthermore, SFGATE named Poppy Bank as the Best Regional Bank in 2024 and 2025. In the past year, we added seven branches, with more planned for 2026 as we continue to expand in the San Francisco Bay Area, Roseville-Sacramento Area, Greater Los Angeles, Orange County and Greater San Diego areas. The new branch locations opening this year include Millbrae, Santa Barbara, downtown San Diego, Novato, Hayward, San Mateo, Palm Desert, Rocklin, San Ramon, and La Mesa. While many banks are closing branches, we look forward to further expanding our geographic footprint to new markets. By the end of 2026, we expect to have 50 branches throughout the state. As we grow, our focus remains the same—to provide superior products and services to support our clients, and to make a positive difference in the communities we serve. 

I would like to thank our clients, employees, shareholders and the communities we serve for your continued commitment to Poppy Bank.

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 20-time winner of Best Places to Work and have been named the Best Business Bank in the North Bay by NorthBay biz magazine. 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!

Golden Gate Bridge

Board of Directors

Khalid Acheckzai

Khalid Acheckzai

President & Chief Executive Officer

Mr. Acheckzai is the President & Chief Executive Officer of Poppy Bank and its parent company, Big Poppy Holdings. Mr. Acheckzai joined Poppy Bank in 2015 and under his leadership the Bank has experienced significant growth and expansion while consistently being recognized as one of the best-performing banks in the nation. 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 more than 25 years of combined banking experience, both working in the banking industry and providing auditing, consulting, and risk management services to financial institutions.

William P. Gallaher

Mr. Gallaher is Chairman of the Board of Poppy Bank. He is a principal in Gallaher Companies 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

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.

Dilraj Bhadare

Mr. Bhadare is the President of Billa Management, an investment group with an emphasis in commercial real-estate. Prior to Billa Management, he worked as a technology private equity investor at American European Associates, Morgan Stanley and True Wind Capital. Before working as an investor, Mr. Bhadare worked on the content strategy team at Netflix and began his career as an investment banker at Lazard. Mr. Bhadare has a Bachelor of Science in Business from The Haas School of Business.

Molly Gallaher Flater

Molly Gallaher Flater serves on the Board of Directors of Poppy Bank, contributing strategic insight drawn from her leadership across real estate development, senior living, and financial services. She is Chief Operating Officer of Gallaher Companies, and founder and sole managing partner of Gallaher Homes Management Group and Gallaher Signature Living which manage the family’s real estate assets including commercial, multi-family, residential and luxury senior living communities. A former co‑founder of Blue Gate Bank, later acquired by Poppy Bank, Molly brings to the board a distinct combination of banking, operational, and entrepreneurial experience. She also helped lead Oakmont Management Group through significant statewide expansion, overseeing sales, marketing, and leadership development. Known for her results‑driven and collaborative approach, Molly applies her cross‑industry expertise to support Poppy Bank’s continued growth, innovation, and disciplined performance.

Alicia Hansel

Ms. Hansel is the Founder and Managing Partner of Kibby Road LLC, a real estate and investment firm where she navigates complicated land transactions, site evaluations, feasibility studies, and city approvals. She is also a founding board member and donor developer of Miracle League North Bay, an accessible baseball complex designed for children of all abilities. Previously, Ms. Hansel served as the President of the Petaluma Education Foundation and spearheaded the revival and renovation of the Petaluma Polly Klaas Community Theater. Ms. Hansel is a graduate of the University of California, Berkeley. 

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

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.

Komron Shahhosseini

Mr. Shahhosseini serves as Regional Director of site acquisitions and development at Gallaher Companies 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 10 years, Mr. Shahhosseini has served on the Sonoma County Planning Commission.

Trees

Executive Leadership and Senior Management

Khalid Acheckzai

Khalid Acheckzai

President & Chief Executive Officer

Mr. Acheckzai is the President & Chief Executive Officer of Poppy Bank and its parent company, Big Poppy Holdings. Mr. Acheckzai joined Poppy Bank in 2015 and under his leadership the Bank has experienced significant growth and expansion while consistently being recognized as one of the best-performing banks in the nation. 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 more than 25 years of combined banking experience, both working in the banking industry and providing auditing, consulting, and risk management services to financial institutions.

Client Testimonials

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 Zones 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, after school 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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