Redwood Capital Bank
Total assets
$566.0M
▲ +2.4% YoY
Deposits
$504.9M
▲ +2.8% YoY
Loans
$396.0M
▲ +5.3% YoY
Offices
4
REDWOOD CAPITAL BCORP
ROA (annualized)
1.16%
peers 1.28%
ROE (annualized)
11.54%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Redwood Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.9% | -2.5 pts |
| Deposit growth (YoY) | +2.8% | +4.3% | -1.5 pts |
| Loan growth (YoY) | +5.3% | +5.3% | -0.0 pts |
| ROA | 1.16% | 1.28% | -0.1 pts |
| ROE | 11.5% | 12.4% | -0.9 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- REDWOOD CAPITAL BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 402 G St, Eureka, CA, 95501
- County
- Humboldt
- Metro area
- Eureka-Arcata, CA
- Offices
- 4
- FDIC cert #
- 57610
- RSSD ID
- 3247589
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $566.0M | $504.9M | $396.0M | $56.2M | $3.2M | 1.16% | 4.33% | 0.17% |
| Q1 2026 | $543.4M | $484.1M | $377.3M | $54.8M | $1.5M | 1.14% | 4.44% | 0.19% |
| Q4 2025 | $531.6M | $472.2M | $375.6M | $54.6M | $6.1M | 1.13% | 4.09% | 0.23% |
| Q3 2025 | $544.8M | $486.5M | $381.1M | $53.6M | $4.5M | 1.11% | 4.04% | 0.28% |
| Q2 2025 | $552.9M | $491.0M | $376.0M | $57.4M | $2.8M | 1.04% | 3.97% | 0.27% |
| Q1 2025 | $522.7M | $461.3M | $376.7M | $57.2M | $1.4M | 1.06% | 4.00% | 0.26% |
| Q4 2024 | $531.7M | $471.8M | $376.3M | $55.5M | $6.3M | 1.19% | 3.95% | 0.30% |
| Q3 2024 | $537.0M | $470.9M | $374.5M | $61.5M | $4.8M | 1.21% | 3.94% | 0.14% |
Loan mix (Q2 2026): real estate $383.6M · commercial $17.8M · consumer $933K · securities $75.3M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Redwood Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.4% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.89% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 61.2% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Redwood Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Redwood Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Redwood Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Redwood Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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