Redwood Capital Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Compared with Q1 2026, Risk-weighted assets rose 3.8% in Q2 2026 to $420.0M, the biggest move on this page. Within California, Redwood Capital Bank is 41st of 74 on CET1 ratio, 14.41% as of Q2 2026, below the middle of the field. Redwood Capital Bank reported 14.41% on CET1 ratio for Q2 2026, 0.66 points below the 15.07% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.66% |
| Tier 1 leverage ratio | 10.96% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $60.5M |
| Tier 1 capital | $60.5M |
| Total risk-based capital | $65.8M |
| Total equity capital | $56.2M |
| Risk-weighted assets | $420.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
| Equity capital to average assets | 10.17% |
| Internal capital growth rate | 9.19% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $18.6M |
| Common stock surplus | $340K |
| Retained earnings | $41.6M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.46% | 15.46% | 16.72% | 11.69% | $397.6M |
| Q4 2023 | 15.44% | 15.44% | 16.69% | 12.09% | $407.9M |
| Q1 2024 | 15.88% | 15.88% | 17.13% | 12.19% | $404.6M |
| Q2 2024 | 16.03% | 16.03% | 17.29% | 12.34% | $406.5M |
| Q3 2024 | 16.46% | 16.46% | 17.71% | 12.36% | $403.9M |
| Q4 2024 | 15.35% | 15.35% | 16.61% | 11.49% | $403.6M |
| Q1 2025 | 15.80% | 15.80% | 17.05% | 11.75% | $398.1M |
| Q2 2025 | 15.36% | 15.36% | 16.61% | 11.74% | $408.3M |
| Q3 2025 | 14.28% | 14.28% | 15.53% | 10.57% | $408.2M |
| Q4 2025 | 14.71% | 14.71% | 15.96% | 10.86% | $399.4M |
| Q1 2026 | 14.64% | 14.64% | 15.89% | 10.93% | $404.8M |
| Q2 2026 | 14.41% | 14.41% | 15.66% | 10.96% | $420.0M |
Redwood Capital Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Redwood Capital Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Redwood Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57610) · FFIEC NIC profile (RSSD 3247589)