Redwood Capital Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 17.93 percentage points higher than in Q1 2026, at 381.40%. Within California, Redwood Capital Bank is 83rd of 114 on loan-to-deposit ratio, 79.69% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Redwood Capital Bank reported 79.69% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $402.3M |
| Net loans and leases | $396.0M |
| Loans held for sale | $0 |
| Loans to total assets | 71.08% |
| Loan-to-deposit ratio | 79.69% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.64% |
| Multifamily (5+ residential) | 26.55% |
| Commercial and industrial | 4.42% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 1.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 381.40% |
| Construction concentration (Tier 1 capital + allowance) | 8.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.71% |
| Interest income on loans | $5.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $386.5M | $459.5M | 53.21% | 6.22% | 0.18% |
| Q4 2023 | $388.4M | $460.5M | 52.62% | 7.35% | 0.26% |
| Q1 2024 | $386.5M | $468.3M | 52.18% | 7.18% | 0.22% |
| Q2 2024 | $383.1M | $461.1M | 52.84% | 6.31% | 0.24% |
| Q3 2024 | $380.9M | $470.9M | 52.37% | 5.74% | 0.23% |
| Q4 2024 | $382.6M | $471.8M | 52.80% | 5.49% | 0.16% |
| Q1 2025 | $383.1M | $461.3M | 52.04% | 5.43% | 0.15% |
| Q2 2025 | $382.3M | $491.0M | 49.81% | 6.28% | 0.17% |
| Q3 2025 | $387.4M | $486.5M | 49.22% | 5.86% | 0.16% |
| Q4 2025 | $381.6M | $472.2M | 50.69% | 4.87% | 0.21% |
| Q1 2026 | $383.4M | $484.1M | 49.83% | 4.88% | 0.16% |
| Q2 2026 | $402.3M | $504.9M | 50.64% | 4.42% | 0.23% |
Redwood Capital Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Redwood Capital Bank, freeSource: Call Report Schedule RC-C, 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)