Redwood Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Redwood Capital Bank is an FDIC-insured commercial bank headquartered in Eureka, CA, established in 2004 (FDIC certificate 57610), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $566.0M, up 2.4% from Q2 2025, the 75th largest of 113 banks headquartered in California. Its CET1 capital ratio was 14.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57610
- Headquarters
- Eureka, CA
- Established
- 2004
- Total assets, Q2 2026
- $566.0M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 14.41%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121143752
- Latest call report
- Q2 2026, FFIEC 051 · Redwood Capital Bank call report
- Holding company
- REDWOOD CAPITAL BANCORP
- Asset rank in state
- 75th of 113 in California
Redwood Capital Bank, based in Eureka, California, reported $566 million in assets at June 30, 2026, up 2.4% from a year earlier. It pays an average of 0.73% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 3.8 times its capital, about triple the median of 1.2 times for banks its size.
Net income for the quarter rose 20% from a year earlier, to $1.7 million. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.13% of loans from 0.40%.
As of June 30, 2026, Redwood Capital Bank reported a CET1 capital ratio of 14.41%, a return on assets of 1.20%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Redwood Capital Bank is the 75th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $566.0M, loans rose 4.9% and deposits rose 4.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 35.3% of total loans, ahead of multifamily loans at 26.6%. Its 4 offices in the FDIC Summary of Deposits are in Eureka, CA, Fortuna, CA and Arcata, CA; its Eureka 2 offices book 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, Redwood Capital Bank meets every capital ratio test for well capitalized.
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
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 2004
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $504.9M
- Allowance for credit losses
- $6.3M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $552.3M
- Average total loans
- $391.1M
- Average interest-bearing deposits
- $490.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 1, 2004
- FDIC Cert
- 57610
- Fed RSSD
- 3247589
- Website
- http://www.rdwo.com →
- Parent Holding Company
- REDWOOD CAPITAL BANCORP (RSSD 3552032)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Redwood Capital Bank's total assets ranged from $516.6M (Q3 2023) to $566.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$566.0M total assets against $552.9M; $509.9M total liabilities against $495.4M.
$396.0M net loans and leases against $376.0M; $504.9M total deposits against $491.0M.
$75.3M securities against $72.6M; $59.6M cash and balances due against $70.0M.
$6.6M total interest income against $6.1M; $1.1M total interest expense against $1.2M.
$5.4M net interest income against $4.9M.
$859K total noninterest income against $673K; $3.9M total noninterest expense against $3.8M.
$108K provision for credit losses against -$89K.
$1.7M net income against $1.4M.
1.20% return on assets against 1.03%; 4.19% net interest margin against 3.89%.
14.41% CET1 capital ratio against 15.36%; 10.96% tier 1 leverage ratio against 11.74%.
Inside the full Redwood Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Redwood Capital Bank rankings
Its closest position to the top of a national ranking is 1,621 of 4,196, for total assets; its furthest is 2,449 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.03% (Q2 2025) to 1.24% (Q3 2025) and its net interest margin ran from 3.84% (Q3 2024) to 4.32% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.41% | 1.20% | 0.13% | 1.54% | 4.19% |
| Q1 2026 | 14.64% | 1.13% | 0.15% | 1.70% | 4.32% |
| Q4 2025 | 14.71% | 1.15% | 0.32% | 1.99% | 4.09% |
| Q3 2025 | 14.28% | 1.24% | 0.40% | 2.56% | 4.00% |
| Q2 2025 | 15.36% | 1.03% | 0.40% | 2.37% | 3.89% |
| Q1 2025 | 15.80% | 1.05% | 0.35% | 2.10% | 3.84% |
| Q4 2024 | 15.35% | 1.10% | 0.42% | 2.59% | 3.84% |
| Q3 2024 | 16.46% | 1.23% | 0.20% | 1.10% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Redwood Capital Bank (main office) | Eureka , CA | 95501 | $260.9M |
| Fortuna Branch | Fortuna , CA | 95540 | $137.4M |
| Arcata Branch | Arcata , CA | 95521 | $66.4M |
| Henderson Center Branch | Eureka , CA | 95501 | $40.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 106 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Redwood Capital Bank
What are Redwood Capital Bank's total assets?
As of the Q2 2026 filing, Redwood Capital Bank reported total assets of $566.0 million in its FFIEC call report.
Where is Redwood Capital Bank headquartered?
It is headquartered in Eureka, CA, United States.
When was Redwood Capital Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Redwood Capital Bank FDIC-insured?
Yes. It 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.
What is Redwood Capital Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.41% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Redwood Capital Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Redwood Capital Bank's Texas Ratio?
Its Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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