Eureka, CA · Cert 57610 · Redwood Capital Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.19% | 1.06% | 1.04% | 1.11% | 1.13% | 1.14% | 1.16% | +13 bps | |
| Return on Equity | 10.92% | 10.83% | 9.95% | 9.82% | 10.71% | 10.88% | 11.17% | 11.54% | +173 bps | |
| Net Interest Margin | 3.54% | 3.56% | 3.63% | 3.65% | 3.62% | 3.73% | 4.06% | 3.96% | +30 bps | |
| Efficiency Ratio | 58.85% | 60.11% | 65.51% | 66.39% | 63.88% | 64.34% | 63.88% | 62.77% | -363 bps | |
| Non-Interest Burden | 1.83% | 1.90% | 2.19% | 2.25% | 2.13% | 2.22% | 2.39% | 2.27% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.95% | 1.99% | -1.52% | 5.54% | 1.45% | -0.02% | 3.97% | 2.38% | -316 bps | |
| Loan Growth (YoY) | -1.45% | -1.49% | -0.90% | -0.23% | 1.69% | -0.26% | 0.10% | 5.25% | +548 bps | |
| Deposit Growth (YoY) | 2.50% | 2.45% | -1.48% | 6.49% | 3.30% | 0.09% | 4.94% | 2.83% | -366 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.42% | 0.35% | 0.40% | 0.40% | 0.32% | 0.15% | 0.13% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.01% | 0.01% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.68% | 1.66% | 1.65% | 1.63% | 1.61% | 1.58% | 1.61% | 1.56% | -6 bps | |
| Allowance Coverage of NPLs | 8.6x | 4.0x | 4.7x | 4.1x | 4.1x | 5.0x | 10.5x | 12.3x | +8.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.36% | 11.49% | 11.75% | 11.74% | 10.57% | 10.86% | 10.93% | 10.96% | -78 bps | |
| Total Risk-Based Capital | 17.71% | 16.61% | 17.05% | 16.61% | 15.53% | 15.96% | 15.89% | 15.66% | -95 bps | |
| Equity / Assets | 11.45% | 10.44% | 10.95% | 10.39% | 9.85% | 10.27% | 10.08% | 9.92% | -47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.89% | 81.10% | 83.03% | 77.86% | 79.62% | 80.82% | 79.20% | 79.69% | +183 bps | |
| Liquid Assets / Assets | 2.05% | 2.27% | 2.32% | 2.28% | 2.64% | 2.25% | 2.32% | 2.49% | +22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 517% | 509% | 501% | n/a | n/a | |