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About Us

Poppy Bank was organized in 2004 by nine prominent business leaders. Since opening our first branch in January 2005, Poppy Bank has grown to eleven branches across the San Francisco Bay Area and 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 a dedicated Board of Directors formed entirely by accomplished business leaders and our strong team of Executive Officers. We exist to meet the banking needs of our clients and to make a positive difference in the communities we serve.

Message from the CEO

Khalid Acheckzai, 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 a retail branch in Menlo Park 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 closing loans efficiently 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 12-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 company, colleagues, 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
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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

Sebastopol Microgreens
Safari West
Transplant Transportation Services, Inc.
Think Tank Photo
FASTSigns in Santa Rosa
Accent Printing & Design

“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.

“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 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.

“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.

“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.

“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.

Client Testimonials
Board of Directors
Khalid Acheckzai, CPA

Mr. Acheckzai is the Chief Executive Officer of Poppy Bank. Prior to his position as 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.

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

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

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

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

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

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

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

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

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

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 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

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
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 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.

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
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.

Small Business Lenders
Wayne Wirth
SVP, Director Small Business Lending

Mr. Wirth has 33 years of lending experience. He specializes in assisting clients in all industries to secure Small Business Loans to meet their business and personal goals. Mr. Wirth’s focus is on facilitating the acquisition, development and refinancing of commercial real estate, equipment financing, business acquisition loans, along with financing other business needs.

Office: (916) 945-2157
Cell: (818) 426-3565
Email: wwirth@poppy.bank

Steve Alkana
VP, Small Business Loan Officer

Mr. Alkana has nearly 25 years of small business lending experience. His specialty includes USDA lending with special expertise in flagged hotels up to $12 Million. He also prides himself on getting USDA B&I loans done right and fast.

Cell: (503) 317-1511
Email: salkana@poppy.bank

Andrew Chambers
VP, Small Business Loan Officer

Andrew Chambers has 14 years of SBA, USDA and CRE lending experience as well as SBA underwriting experience. His areas of expertise include hospitality, gas stations, auto-use, and industrial/retail properties. He has a proven track record and takes great pride in closing loans as quickly and painlessly as possible.

Cell: (707) 293-5167
Email: achambers@poppy.bank

Patrick Hatten
VP, Small Business Loan Officer

Mr. Hatten has 25 years of lending experience. His specialty includes assisting clients secure small business loans in the hotel and lodging industries. Hatten focuses on business acquisitions and expansion though he is able to help clients from any industry.

Office: (480) 346-1218
Cell: (602) 885-1080
Email: phatten@poppy.bank

Christy Lester
VP, Small Business Loan Officer

Ms. Lester has more than 23 years of experience in SBA lending and wealth of knowledge in commercial financing, specifically within the SBA and USDA B&I arena. She has consistently been a top producer throughout her SBA career and has been recognized as an influential member of the SBA lending community.

Office: (951) 303-9990
Cell: (951) 515-9212
Email: clester@poppy.bank

Paul Ko
VP, Small Business Loan Officer

Mr. Ko is a CPA and loan officer with hands-on experience in SBA7A, 504 & USDA loans, financial reporting, underwriting, credit risk, and accounting. His areas of expertise include the hospitality industry and gas stations with C-Store, along with other special purpose property types.

Cell: (425) 344-6993
Email: pko@poppy.bank

Kevin Rappleye
VP, Small Business Loan Officer

Mr. Rappleye has more than 25 years of small business lending experience with an emphasis on SBA guaranteed loans. He has extensive experience in lending within the hospitality and RV park industries, along with other special purpose property types.

Office: (916) 740-1557
Cell: (916) 709-1564
Email: krappleye@poppy.bank

Patrick Bishop
Associate SBL Loan Officer

Mr. Bishop has over three years of experience in small business lending dealing with a variety of industries. Prior to joining the Bank, Mr. Bishop served as a Credit Underwriter specializing in SBA 7A and 504 lending. In addition to SBA underwriting, he has held positions in business development and credit analysis. Patrick received his Bachelor’s Degree in Business Administration with an emphasis in Management from San Diego State University, California.

Office: (951) 303-9990
Cell: (951) 813-5730
Email: pbishop@poppy.bank

Business & Consumer Lenders
Janet Connors
SVP, Real Estate Loan Officer

Ms. Connors has more than 25 years of lending experience. Her specialty includes assisting clients to secure financing for the acquisition or refinance of various types of commercial real estate including self-storage, office, MHP, retail, industrial and other special purpose properties, as well as business loans and lines of credit to meet their goals. She also focuses on affordable housing and sustainability/green energy financing.

Office: (707) 636-9066
Cell: (707) 888-1497
Email: jconnors@poppy.bank

Jonathan Graves
VP, Commercial Loan Officer

Mr. Graves has 11 years of lending experience. He focuses on commercial real estate lending. Graves works with businesses looking to purchase real estate as well as real estate investors looking to start or add to their portfolio.

Office: (707) 636-9057
Cell: (707) 953-1380
Email: jgraves@poppy.bank

Brian Lange
VP, Commercial Loan Officer

Mr. Lange has a 20-year career in banking including retail and private banking. The last ten of those years have been in commercial finance. He specializes in all forms of commercial lending for real estate, equipment, and working capital needs. His typical clients include small to medium size businesses with an emphasis on manufactures, professionals, and real estate investors.

Office: (714) 551-5457
Cell: (626) 926-3183
Email: blange@poppy.bank 

Barbara Larson
VP, Commerical Loan Officer

Ms. Larson has 20 years of banking and 13 years of lending experience. Her specialty includes assisting clients in obtaining commercial business lines of credit and term loans. She also works with clients to assist them in obtaining SBA 7A loans in most industries.

Office: (707) 636-9711
Cell: (707) 291-1344
Email: blarson@poppy.bank

Mike McKeon
VP, Residential and Construction Loan Officer

Mr. McKeon has 30 years of lending experience. He specializes in residential lending for owners and investors. He also specializes in creative problem solving for all lending situations.

Office: (707) 636-9709
Cell: (707) 483-5051
Email: mmckeon@poppy.bank

Aaron Nissim
SVP, East Bay Regional Commercial Banking Manager

Mr. Nissim has more than 14 years of commercial real estate lending experience in various real estate product types including: residential subdivisions, condominiums, assisted living, self-storage, marinas, retail, office, industrial and mixed-use across the Western US. Mr. Nissim has extensive experience structuring, construction, rehab, bridge and term loans and takes pride in finding creative solutions to sophisticated transaction structures for commercial real estate investor/developers.

Office: (707) 636-9021
Cell: (415) 871-4218
Email: anissim@poppy.bank

Evelynn Porter
VP, Commercial Loan Officer

Ms. Porter has more than 20 years of banking experience with 16 years as a loan officer. She specializes in small-to-medium sized businesses that are growing or stabilizing. Clients she manages range from steel fabrictors to wineries and real estate investors.

Office: (707) 636-9748
Cell: (707) 337-6434
Email: eporter@poppy.bank

Kurt Ross
VP, Commercial Loan Officer

Mr. Ross has 30 years of commercial lending experience. His specialty includes assisting clients to obtain financing for the acquisition or refinance of all types of commercial real estate for owner-users and investors, in addition to helping business owners secure revolving lines of credit and term loans to support business operations and growth.

Office: (714) 551-5468
Cell: (949) 230-8211
Email: kross@poppy.bank

Scott Shapiro
VP, Commercial Loan Officer

Mr. Shapiro has a 15-year career in commercial finance. He specializes in all forms of commercial lending (including SBA) for real estate, equipment, tenant improvement, and working capital needs. His typical clients are small- and medium-size businesses with a particular focus in the food, wine, healthcare, franchise, and craft beer industries as well as commercial property investors.

Office: (707) 636-9745
Cell: (707) 721-2052
Email: sshapiro@poppy.bank

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