Bank Comparison
Redwood Capital Bank vs Golden Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 11
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| CET1 Ratio | 14.64% | 15.41% |
| Tier 1 Capital Ratio | 14.64% | 15.41% |
| Total Capital Ratio | 15.89% | 16.66% |
| Tier 1 Leverage Ratio | 10.93% | 9.28% |
| Equity / Assets | 10.08% | 8.22% |
Profitability
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| Return on Assets (ROA) | 1.13% | 0.97% |
| Return on Equity (ROE) | 11.17% | 12.25% |
| Net Interest Margin (NIM) | 4.32% | 3.58% |
| Yield on Earning Assets | 5.20% | 4.75% |
| Cost of Funds | 0.94% | 1.26% |
Asset quality
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| Texas Ratio | 1.70% | 0.18% |
| Non-Performing Loan Ratio | 0.15% | 0.03% |
| Non-Performing Asset Ratio | 0.19% | 0.02% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.61% | 1.59% |
Balance sheet
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| Total Assets | $543,402K | $577,734K |
| Total Deposits | $484,145K | $525,767K |
| Total Loans | $383,440K | $274,020K |
| Total Equity | $54,771K | $47,513K |
| Net Income (quarter) | $1,527K | $1,446K |
Liquidity & funding
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.20% | 52.12% |
| Core Deposit Ratio | 90.08% | 93.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Redwood Capital Bank | Golden Valley Bank |
|---|---|---|
| Headquarters City | EUREKA | CHICO |
| Headquarters State | CA | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 84 | 64 |
| Established | March 1, 2004, midnight | April 24, 2006, 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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