Redwood Capital Bank
Redwood Capital Bank is a locally rooted FDIC-insured community bank based in Eureka, CA. As of Q1 2026, the bank held approximately $543M in total assets and $484M in deposits. Returns are in line with industry norms at 1.13% ROA and 11.17% ROE; net interest margin is 4.32%. Capital is comfortably above regulatory minimums — CET1 ratio of 14.64% sits well above the 7% well-capitalized threshold. Credit metrics are pristine, with nonperforming loans at just 0.15%. It operates 4 branches, primarily in California.
Headquarters Profile
- Address
- 402 G St, EUREKA, CA 95501
- County
- Humboldt
- Metro Area
- EUREKA-ARCATA, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 14
- Established
- March 1, 2004
- Branches
- 4 domestic
- Employees (FTE)
- 84
- FDIC Cert
- 57610
- Fed RSSD
- 3247589
- Website
- http://www.rdwo.com →
- Parent Holding Company
- REDWOOD CAPITAL BANCORP (RSSD 3552032)
Capital & Liquidity
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Redwood Capital Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Redwood Capital Bank
What are Redwood Capital Bank's total assets?
As of the Q1 2026 filing, Redwood Capital Bank reported total assets of $543.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Redwood Capital Bank headquartered?
Redwood Capital Bank is headquartered in EUREKA, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Redwood Capital Bank founded?
Redwood Capital Bank was established in 2004, per the FDIC institution directory.
Is Redwood Capital Bank FDIC-insured?
Yes. Redwood Capital Bank is an FDIC-insured commercial bank (FDIC Certificate #57610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Redwood Capital Bank?
Redwood Capital Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Redwood Capital Bank's CET1 capital ratio?
Redwood Capital Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.64% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Redwood Capital Bank operate?
Redwood Capital Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Redwood Capital Bank's Texas Ratio?
Redwood Capital Bank's Texas Ratio is 1.70% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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