Redwood Capital Bank
Eureka, CA · Cert 57610 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Redwood Capital Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$566.0MAssets
$402.3MLoans
$504.9MDeposits
$56.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of banks under $1B in assets operating in a single state (rank 202 of 743).
- Widest gap: equity / assets trails 58% of banks under $1B in assets operating in a single state (rank 436 of 746).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.13%
Rank 336 of 746
Net Interest Margin
3.96%
Rank 264 of 746
Efficiency Ratio
62.77%
Rank 332 of 746
Equity / Assets
9.92%
Rank 436 of 746
Non-interest income vs. expense
Unfavorable gap of $12.5M · efficiency ratio beats 56% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 55% | 336 / 746 | | |
| Return on Equity | 11.34% | 6.74% | 10.51% | 13.63% | Beats 58% | 313 / 746 | | |
| Net Interest Margin | 3.96% | 3.17% | 3.68% | 4.16% | Beats 65% | 264 / 746 | | |
| Efficiency Ratio | 62.77% | 55.74% | 64.58% | 75.47% | Beats 56% | 332 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.09% | 0.42% | 1.07% | Beats 73% | 202 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 62% | 287 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.41% | 11.55% | 13.75% | 17.60% | Beats 56% | 330 / 746 | | |
| Total Risk-Based Capital Ratio | 15.66% | 11.71% | 14.33% | 18.43% | Beats 60% | 295 / 746 | | |
| Equity / Assets | 9.92% | 8.90% | 10.51% | 13.06% | Beats 42% | 436 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.69% | 61.31% | 78.27% | 90.78% | 53rd pctl | 351 / 746 | | |
| Loans / Assets | 71.08% | 53.60% | 66.97% | 76.08% | 60th pctl | 301 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |