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Redwood Capital Bank
Eureka, CA · FDIC Certificate #57610 · Chartered 03/0
Total assets
$566.04M
Total deposits
$504.89M
Total equity
$56.17M
Net loans
$396.03M
Branches (offices)
4
Net income (YTD)
$3.19M
Rank: #1,628 of 4,213 U.S. banks by assets · #76 of 115 in California. Assets changed 2.4% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 11.54% |
| Net interest margin (YTD) | 4.33% |
| Equity to assets | 9.92% |
| Tier 1 leverage ratio | 10.96% |
| Uninsured deposits (share of deposits) | 24.1% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 78.4% |
| Real estate loans (share of loans) | 96.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $383.55M | 96.8% | |
| Commercial & industrial | $17.78M | 4.5% | |
| Consumer / individual | $933.00K | 0.2% | |
| Construction & development | $5.80M | 1.5% | |
| Agricultural | $125.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $551.13M | $500.38M | $2.79M | $47.45M |
| Jun 2023 | $529.96M | $473.84M | $3.98M | $52.12M |
| Jun 2024 | $523.88M | $461.05M | $3.15M | $58.54M |
| Jun 2025 | $552.88M | $490.97M | $2.78M | $57.44M |
| Jun 2026 | $566.04M | $504.89M | $3.19M | $56.17M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $504.89M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $504.89M.
Similar-sized banks
Jefferson Security Bank ($566.07M) · First Commercial Bank, National Association ($565.93M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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