# REDWOOD CAPITAL BANK
EUREKA, CA · FDIC certificate 57610 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $566.0M | |
| Deposits | $504.9M | |
| Loans and leases | $402.3M | |
| Total equity | $56.2M | |
| Loans / deposits | 78.44% (p42 of band) | 82.04% |
| Liquid assets / assets | 23.83% (p47 of band) | |
| Uninsured deposits / deposits | 24.06% (p43 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.96% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -11.00% (p40 of band) | -8.10% |
| AOCI / equity | -0.38% (p48 of band) | |
| ROA (annualized) | 1.16% (p44 of band) | 1.28% |
| Net interest margin | 4.33% (p75 of band) | 3.91% |
| Efficiency ratio | 62.77% (p54 of band) | |
| Noncurrent loans | 0.13% (p26 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 1234.51% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 10.33% (p15 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 81 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 2 | charge-offs p90 |  |
| 2012-09 | 1 |  | charge-offs p90 |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | deposits shrinking |  |
| 2022-09 | 2 | assets shrinking |  |
| 2022-12 | 3 | uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2023-09 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 1 |  | deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-01 [Redwood Capital Bank Plans Redding Loan Office, Hires Jamie Robertson - citybiz](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVlR3RGdBdmFZLS1TQTM2ZWhmMDFtTXpIMmd5Z3dGcHRhQUtaQThSWFN6X2lRUXRBTDM1bHMtR1RiaXJlMDh5SmNMdThqcWpXaUJxVk9qN2hhYzBmNkRRU18yOU9tbVQ3WWVUVHlraG1QZjk3aEY2VVNkWFBzWmI2MU9zUGIxLVJBQWVWT3FkMmRUYlphS0xaWHplVi1xZ2FfeFc1ZGlZSTVCM00?oc=5) · citybiz
- 2026-09-01 [A bank plans to bring commercial lending to Redding. Redwood Capital hired Jamie Robertson. - stocktitan.net](https://news.google.com/rss/articles/CBMivwFBVV95cUxNZExIMjNPOTg2dERiLWdXR1Zlc1paVWdDTG9DLVp0YXpuUmxNblpWZm12TXZXaFFGU3dtSGJHNzNGMGtDNXktOUFndFZQQVJBTHhBRHFHa1ZMU0c1OThfMzNBZkl1QTNWNXBreURVYXRsS3pGeVpacF82WHkzbWFuWVROSVZmazROYjRRUmRpanJ5Mk9sdC1fRU83dnVOWm1hRTVSR09Falk5UTRhTDQ0ZmVUSDNCYkhJZ0Z5U2hLVQ?oc=5) · stocktitan.net
- 2026-05-14 [Redwood Capital Bancorp Announces Planned Leadership Transition: Jennifer P. Budwig Named President; John E. Dalby Continues as CEO - Business Wire](https://news.google.com/rss/articles/CBMilAJBVV95cUxPY2NROGxVTTg5MzJHYjFZSDEzRnktQ3BlR19xLUdUOXkzaUU4c21XclFHamc4Q3lCdlgwaG4tNE96LVBidldWcmI4NmtleHI3bHlWd2ctZFdoY0J1Z2dPMWRsOUJ0cVBYZHZCZVB3VkxpVGd0S3VFZXN3TzZWWlVJQ0JlYVZQUnQ4MzRJMW1LU1luaE9FREVwalRydDdXMFVpYWs4R25pQzl2OER4aEJNUzN3RzdJNmZIMFBVd2VzVnJzNlpjRVpNSmRSUkRaWlRQamRIeXRsN0Vvd3VPVGR2dXUtRWhCZGFsVDJ5U3NpNXN0VmdPblRBd05qNUZFYU9wZUpkY0JuYTlnT1BCeE84VVFwR3g?oc=5) · Business Wire
- 2026-09-01 [Redwood Capital Bank Plans to Open Loan Production Office in Redding, California - marketscreener.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNLVRUWFdvNDEtWHkweDVwc2dtWHlXNVR6ZGpGUndFUDBBU3NPWmNralk0bzBTeGRuNkRfbU85d2FEZTVEalBOTXlvQ3RVSVpxSE1VQXBxMF83VkdWV3JiWVhRNHluQnVnY1pvNFFwcGpwVGdUWUVuRlZTZXprSDQ0dUNVQjZWWnVLNktPZGVOSDVvSGlzZjJSdDZqcGVnVmVvS3B5OHJIRjdYRkQ5Z3lFMGhRcmI3N2NLMTRTeXktb2JicUxxV2xuQnFieXE?oc=5) · marketscreener.com
- 2026-01-28 [Earnings Release – Redwood Capital Bancorp – Year-End 2025 - Business Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxPZ28yU1FNZW5vRnZ2MlEyM3hNWkZtNmVXdkR0cW5NVVFqZlV1OUR5ZUpPRkdlT3VvTzVkZlU0X0pSMjhqWjFmNlByb3ZNTkRFX1NPdzlad0k4Rld4TEdaT3FFUzhEdUlqLXFVNnN5VmdSX1FYSXFkenJOTFZ4ZG00bnQ2cS1tUjB6dkxmcVFMNnFhejBvUDVQOW9vYzRDLUxlcmxPbzRtNjdDMTh1WkJXXw?oc=5) · Business Wire
- 2023-11-17 [OTC Markets Group Welcomes Redwood Capital Bancorp (CA) to OTCQX - GlobeNewswire](https://news.google.com/rss/articles/CBMizwFBVV95cUxOMllEUFY3bU81NlZvc1pfTEtZNUhyUWZuSFRUQm9GY2hGYnNGOHpyMVZMOEw2TS1LR0E2a0t3Y2hKcVM4SHRYQm81TkZqTVJ0dFQtRC1Mc3JnUHVDcEd1RkpRVW9GOE9uRU1HTnpEWS1kbGRKWDh6Z0xyeXA5bUdpYUw5UFRlRk9mZ215ZnhCb3pSeHRvMWdJNXdLQTI0TnhnZ1dlTzJNOFMxbWNUd0p3REVCeUJsMVFZaHNGQThtd09wT2c5UXpTaG8yYVI0U00?oc=5) · GlobeNewswire
- 2004-03-01 [Department of Financial Institutions Announces New State Bank – Redwood Capital Bank Will Open its Doors for Business on March 1, 2004 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPbWFzaE9PNHNxOTdDbEs1TXpKTmgwcTRTNEd2LXhWT3ZQdV8tS0hBa01VaWpVLWoyQXdCZVU2RkMzcUZvNjZwRmduTnZXaFhWclhEMEZKTVpsaFptWXkxQkhLcFZHcEw3MmlIeTdkNklCck1LYjBBZjliWGMyRVhiRzkzYXptYnV1OGI3clpwVXJwdVFIelRtYWdoaDVvZU94ZmFwckE1NzJhQU44SXFranpXaWtiRmNiLXFXa1pucl9XTk1MZU81eVdNeW1Nc2d3M2RWbVFua2VwUEtyYnNqZmQtdTNYUVdfd29ELThwSVlDcmJVM1N6MDZR?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2021-09-20 [Tyrone Champ Joins Board of Redwood Capital Bancorp and Redwood Capital Bank - citybiz](https://news.google.com/rss/articles/CBMitgFBVV95cUxPbWstbkhSSU43OW1HeHJoemJFcnBfc0xhNGJSNjBOQ3p5RkFhZnVsb0lMQXZWa2lrck9pUUdib3Bic2xLUFNtU2NvX24zTjh3emk3Z3k2S3hPLS1YdDFHMU9YdHRaWlVqNDU5STU1UHBrNm9FSmN6dy1OeVJVcEFfaUViUFppU2JjUjVPY0U4cHl3Z3VUTldMY2M4QUNFbHRnbVg0cVczaHVhcklXaHRYUHRNOHVhZw?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57610 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "57610", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide