Redwood Capital Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Net interest margin, which fell 0.13 percentage points to 4.19%. Within California, Redwood Capital Bank is 32nd of 114 on net interest margin, 4.19% as of Q2 2026, above the middle of the field. Redwood Capital Bank reported 4.19% on net interest margin for Q2 2026, 0.24 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 5.71% |
| Yield on securities | 2.79% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.73% |
| Cost of interest-bearing deposits | 1.25% |
| Cost of interest-bearing liabilities | 1.27% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 3.80% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $1.1M |
| Interest expense on deposits | $1.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.46% | 0.28% | 4.12% | 4.91% | 2.18% |
| Q4 2023 | 4.65% | 0.37% | 4.19% | 5.06% | 2.25% |
| Q1 2024 | 4.67% | 0.64% | 3.91% | 5.05% | 2.39% |
| Q2 2024 | 4.60% | 0.81% | 3.64% | 5.06% | 2.33% |
| Q3 2024 | 4.83% | 0.84% | 3.84% | 5.22% | 2.52% |
| Q4 2024 | 4.78% | 0.78% | 3.84% | 5.17% | 2.62% |
| Q1 2025 | 4.79% | 0.81% | 3.84% | 5.17% | 2.64% |
| Q2 2025 | 4.87% | 0.82% | 3.89% | 5.38% | 2.59% |
| Q3 2025 | 4.96% | 0.81% | 4.00% | 5.54% | 2.59% |
| Q4 2025 | 5.01% | 0.76% | 4.09% | 5.63% | 2.74% |
| Q1 2026 | 5.20% | 0.74% | 4.32% | 5.58% | 2.77% |
| Q2 2026 | 5.07% | 0.73% | 4.19% | 5.71% | 2.79% |
Redwood Capital Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Redwood Capital Bank, freeSource: Call Report Schedules RI and RC-K, 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)