Bank Comparison
Bank of Texas vs Redwood Capital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| CET1 Ratio | 14.19% | 14.64% |
| Tier 1 Capital Ratio | 14.19% | 14.64% |
| Total Capital Ratio | 15.39% | 15.89% |
| Tier 1 Leverage Ratio | 13.04% | 10.93% |
| Equity / Assets | 12.54% | 10.08% |
Profitability
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.83% | 1.13% |
| Return on Equity (ROE) | 13.89% | 11.17% |
| Net Interest Margin (NIM) | 3.84% | 4.32% |
| Yield on Earning Assets | 6.23% | 5.20% |
| Cost of Funds | 2.64% | 0.94% |
Asset quality
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| Texas Ratio | 2.64% | 1.70% |
| Non-Performing Loan Ratio | 0.48% | 0.15% |
| Non-Performing Asset Ratio | 0.36% | 0.19% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.41% | 1.61% |
Balance sheet
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| Total Assets | $543,077K | $543,402K |
| Total Deposits | $438,237K | $484,145K |
| Total Loans | $403,281K | $383,440K |
| Total Equity | $68,125K | $54,771K |
| Net Income (quarter) | $2,376K | $1,527K |
Liquidity & funding
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 92.02% | 79.20% |
| Core Deposit Ratio | 56.85% | 90.08% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Texas | Redwood Capital Bank |
|---|---|---|
| Headquarters City | MIDLAND | EUREKA |
| Headquarters State | TX | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 27 | 84 |
| Established | Aug. 4, 1962, midnight | March 1, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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