Redwood Capital Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Redwood Capital Bank of Eureka, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 11.96% | 13.32% | -1.36% | 48th below |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 61.58% | 61.14% | +0.44% | 49th below |
| PPNR / Avg Assets | 1.75% | 1.68% | +0.07% | 59th above |
| Yield on Earning Assets | 5.07% | 5.67% | -0.60% | 26th below |
| Cost of Funds | 0.73% | 1.88% | -1.15% | 96th top |
| Net Interest Spread | 3.80% | 3.32% | +0.48% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.13% | 0.94% | -0.81% | 70th above |
| NPA / Total Assets | 0.17% | 0.70% | -0.53% | 62nd above |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 79th top |
| ACL / Total Loans | 1.56% | 1.28% | +0.28% | 82nd top |
| ACL / NPLs (Coverage) | 1234.51% | 1538.86% | -304.35% | — |
| Texas Ratio | 1.54% | 7.33% | -5.79% | 67th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.41% | 19.51% | -5.10% | 43rd below |
| Tier 1 Ratio | 14.41% | 19.54% | -5.13% | 43rd below |
| Total Capital Ratio | 15.66% | 20.63% | -4.97% | 44th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.96% | 12.14% | -1.18% | 50th above |
| Equity / Assets | 9.92% | 11.38% | -1.46% | 44th below |
| TCE / Tangible Assets | 9.92% | 11.09% | -1.17% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.69% | 80.64% | -0.95% | 52nd above |
| Core Deposit Ratio | 91.57% | 86.86% | +4.71% | 64th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.38% | 6.85% | -4.47% | 35th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.25% | 7.90% | -2.65% | 50th above |
| Deposit Growth (Y/Y) | 2.83% | 6.29% | -3.46% | 42nd below |
See Redwood Capital Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Redwood Capital Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Redwood Capital Bank profile, how to read a UBPR, or how this data updates.