Redwood Capital Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 181.19 percentage points in Q2 2026, from 1053.32% to 1234.51%. It was the largest change from Q1 2026 among the key lines here. Within California, Redwood Capital Bank is 45th of 114 on return on assets, 1.20% as of Q2 2026, above the middle of the field. Redwood Capital Bank reported 1.20% on return on assets for Q2 2026, 0.05 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.41% |
| Tier 1 risk-based capital ratio | 14.41% |
| Total risk-based capital ratio | 15.66% |
| Tier 1 leverage ratio | 10.96% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.54% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 1234.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.20% |
| Return on equity | 11.96% |
| Net interest margin | 4.19% |
| Efficiency ratio | 61.58% |
| Yield on earning assets | 5.07% |
| Cost of funds | 0.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.69% |
| Core deposits to total deposits | 91.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.20% |
| Securities to assets | 13.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.46% | 15.46% | 16.72% | 11.69% | 1.65% |
| Q4 2023 | 15.44% | 15.44% | 16.69% | 12.09% | 1.39% |
| Q1 2024 | 15.88% | 15.88% | 17.13% | 12.19% | 1.22% |
| Q2 2024 | 16.03% | 16.03% | 17.29% | 12.34% | 1.16% |
| Q3 2024 | 16.46% | 16.46% | 17.71% | 12.36% | 1.23% |
| Q4 2024 | 15.35% | 15.35% | 16.61% | 11.49% | 1.10% |
| Q1 2025 | 15.80% | 15.80% | 17.05% | 11.75% | 1.05% |
| Q2 2025 | 15.36% | 15.36% | 16.61% | 11.74% | 1.03% |
| Q3 2025 | 14.28% | 14.28% | 15.53% | 10.57% | 1.24% |
| Q4 2025 | 14.71% | 14.71% | 15.96% | 10.86% | 1.15% |
| Q1 2026 | 14.64% | 14.64% | 15.89% | 10.93% | 1.13% |
| Q2 2026 | 14.41% | 14.41% | 15.66% | 10.96% | 1.20% |
Redwood Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Redwood Capital Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)