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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Eureka, CA · FDIC certificate #57610
REDWOOD CAPITAL BANK is an FDIC-insured institution based in Eureka, CA (FDIC certificate #57610). In its Q3 2026 Call Report it reported total assets of $557M, total deposits of $495M and net loans of $405M. Its primary federal regulator is FDIC.
Plain-language readout
REDWOOD CAPITAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $566M in Q2 2026 and were lowest at $543M in Q1 2026.
Total deposits were highest at $505M in Q2 2026 and lowest at $484M in Q1 2026.
Over the whole period total assets rose 2.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $557M | $495M | $405M | 1.25% | 12.33% | 4.39% |
| Q2 2026 | $566M | $505M | $396M | 1.16% | 11.54% | 4.33% |
| Q1 2026 | $543M | $484M | $377M | 1.14% | 11.17% | 4.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $24.0M | $20.0M | +$4.0M | +19.9% |
| Federal funds sold | $35.6M | $36.1M | -$476K | -1.3% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $75.3M | $75.9M | -$639K | -0.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $396.0M | $377.3M | +$18.8M | +5.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.4M | $8.5M | -$75K | -0.9% |
| Other real estate owned | $451K | $451K | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.6M | $1.5M | +$84K | +5.5% |
| All other assets | $24.7M | $23.7M | +$996K | +4.2% |
| Total assets | $566.0M | $543.4M | +$22.6M | +4.2% |
| Liabilities | ||||
| Total deposits | $504.9M | $484.1M | +$20.7M | +4.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.0M | $4.5M | +$500K | +11.1% |
| Total liabilities | $509.9M | $488.6M | +$21.2M | +4.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $18.6M | $18.6M | $0K | 0.0% |
| Surplus | $340K | $340K | $0K | 0.0% |
| Retained earnings | $41.6M | $40.4M | +$1.3M | +3.1% |
| Accumulated other comprehensive income | -$4.4M | -$4.5M | +$141K | +3.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $56.2M | $54.8M | +$1.4M | +2.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $961K | $1.0M | -$77K | -7.4% |
| Adjusted nonperforming assets | $961K | $1.0M | -$77K | -7.4% |
| Tangible equity plus allowance | $60.9M | $59.4M | +$1.4M | +2.4% |
| Texas ratio (gross) | 1.58% | 1.75% | -0.17 pts | See points |
| Texas ratio (adjusted) | 1.58% | 1.75% | -0.17 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.58% | 1.75% | -0.17 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.41% | 14.64% | -0.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.41% | 14.64% | -0.23 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.66% | 15.89% | -0.23 pts | See points |
| Tier 1 leverage (approximate) | 10.96% | 10.93% | +0.03 pts | See points |
| Construction and land loans to total capital | 8.82% | 8.94% | -0.13 pts | See points |
| Commercial real estate to total capital | 387.38% | 368.57% | +18.81 pts | See points |
| Dividend payout, year to date | 43.96% | 65.49% | -21.53 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.21% | -10.77% | +0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $462.3M | $436.1M | +$26.2M | +6.0% |
| Non-core funding | $42.6M | $48.0M | -$5.5M | -11.4% |
| Loans to core deposits | 87.03% | 87.92% | -0.90 pts | See points |
| Loans to deposits | 79.69% | 79.20% | +0.49 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 39.61% | 39.82% | -0.21 pts | See points |
| Loans pledged, share of loans | 0.82% | 0.87% | -0.05 pts | See points |
| Volatile liabilities | $42.6M | $48.0M | -$5.5M | -11.4% |
| Earnings | ||||
| Earnings before provision, year to date | $4.7M | $2.3M | +$2.4M | +106.9% |
| Earnings before provision, single quarter | $2.4M | $2.3M | +$155K | +6.9% |
| Provision for credit losses, year to date | $246K | $138K | +$108K | +78.3% |
| Yield and cost | ||||
| Yield on loans and leases | 5.71% | 5.58% | +0.14 pts | See points |
| Yield on interest-bearing balances due from banks | 3.74% | 10.31% | -6.57 pts | See points |
| Total interest income to average assets | 4.76% | 4.89% | -0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.41% | 0.46% | -0.05 pts | See points |
| Cost of savings and money market deposits | 0.33% | 0.33% | -0.01 pts | See points |
| Cost of time deposits | 3.15% | 3.33% | -0.18 pts | See points |
| Total interest expense to average assets | 0.83% | 0.83% | -0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $557M | $495M | $405M | 1.25% | 12.33% | 4.39% |
| 2026-06-30 | $566M | $505M | $396M | 1.16% | 11.54% | 4.33% |
| 2026-03-31 | $543M | $484M | $377M | 1.14% | 11.17% | 4.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $491M | 0.03% | 111 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.