REDWOOD CAPITAL BANK

EUREKA, CA | Medium | Est. March 1, 2004, midnight | FDIC #57610 | RSSD #3247589 | FDIC
Latest Report: 2025-12-31

REDWOOD CAPITAL BANK is amn medium FDIC-insured commercial bank headquartered in EUREKA, CA, established in March 1, 2004, midnight. As of 2025-12-31, the bank reported total assets of $532M and total deposits of $472M. Profitability stands at 1.16% ROA and 11.54% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 14.71%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.99%. FDIC Certificate #57610.

Assets

$532M

Deposits

$472M

Loans

$382M

Equity

$55M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 11.54%
Net Interest Margin (NIM) 4.19%
Yield on Assets 5.13%
Cost of Funds 0.97%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.99%
NPA Ratio 0.23%
ACL / Loans 1.58%

Capital & Liquidity

CET1 Ratio 14.71%
Tier 1 Capital 14.71%
Total Capital Ratio 15.96%
Leverage Ratio 10.86%
Loan-to-Deposit 80.82%

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