Redwood Capital Bank (FDIC certificate #57610) is based in Eureka, California. Its Q2 2026 call report shows $566.0M in total assets and $504.9M in deposits and 4 offices.
Redwood Capital Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 31st. Problem-loan coverage contributes the most (97/100, 1.5%); capital cushion contributes the least (60/100, 10.96%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 76).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 80 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 75 |
| Q3 2025 | 72 |
| Q4 2025 | 73 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.34% |
| Q3 2024 | 12.36% |
| Q4 2024 | 11.49% |
| Q1 2025 | 11.75% |
| Q2 2025 | 11.74% |
| Q3 2025 | 10.57% |
| Q4 2025 | 10.86% |
| Q1 2026 | 10.93% |
| Q2 2026 | 10.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.42% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.13% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.06% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.13% |
| Q1 2026 | 1.14% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $566.0M | 10.96% | 0.13% | 1.16% | 78.4% |
| Q1 2026 | 75 | $543.4M | 10.93% | 0.15% | 1.14% | 77.9% |
| Q4 2025 | 73 | $531.6M | 10.86% | 0.32% | 1.13% | 79.5% |
| Q3 2025 | 72 | $544.8M | 10.57% | 0.40% | 1.11% | 78.3% |
| Q2 2025 | 75 | $552.9M | 11.74% | 0.40% | 1.04% | 76.6% |
| Q1 2025 | 75 | $522.7M | 11.75% | 0.35% | 1.06% | 81.7% |
| Q4 2024 | 75 | $531.7M | 11.49% | 0.42% | 1.19% | 79.8% |
| Q3 2024 | 80 | $537.0M | 12.36% | 0.20% | 1.21% | 79.5% |
| Q2 2024 | 81 | $523.9M | 12.34% | 0.13% | 1.20% | 81.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Partners Bank of CaliforniaBank Mission Viejo, CA | 73 out of 100, Strong | $602.2M | 11.7% | 0.00% | vs |
| Golden Valley BankBank Chico, CA | 72 out of 100, Strong | $604.7M | 9.3% | 0.00% | vs |
| New OMNI Bank, National AssociationBank Alhambra, CA | 53 out of 100, Below average | $517.9M | 27.1% | 7.69% | vs |
| Chino Commercial Bank, N.A.Bank Chino, CA | 79 out of 100, Strong | $516.7M | 12.5% | 0.49% | vs |
| First Credit BankBank Los Angeles, CA | 64 out of 100, Moderate | $515.8M | 47.6% | 3.33% | vs |
| First Pacific BankBank Whittier, CA | 56 out of 100, Moderate | $514.4M | 9.2% | 0.31% | vs |
Deposit insurance
Is my money safe at Redwood Capital Bank?
Yes. Redwood Capital Bank is an FDIC-insured institution (FDIC certificate #57610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.1% of deposits ($121.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.66% (benchmark: 10%).
4 locations
Branches
Redwood Capital Bank lists 4 offices in 3 cities. Most locations:
- Eureka, CA (2)
- Arcata, CA (1)
- Fortuna, CA (1)
Identity & history
Profile
- Legal name
- Redwood Capital Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57610
- RSSD ID
- 3247589
- Primary regulator
- FDIC
- Holding company
- Redwood Capital Bcorp
- Established
- March 1, 2004
- Headquarters
- 402 G St, Eureka, CA 95501
- Website
- www.rdwo.com
- Employees
- 81
Quick answers
Redwood Capital Bank: common questions
Is Redwood Capital Bank FDIC insured?
Yes. Redwood Capital Bank is an FDIC-insured institution (FDIC certificate #57610). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Redwood Capital Bank's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Redwood Capital Bank ever failed?
There is no failure record for FDIC certificate #57610 in the FDIC failed bank list.
How many branches does Redwood Capital Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eureka
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Coast Central Credit UnionCredit union Eureka, CA | 74 out of 100, Strong | $2.3B | 12.0% | 0.70% | vs |
| Compass Community Credit UnionCredit union Eureka, CA | 74 out of 100, Strong | $178.9M | 12.0% | 0.03% | vs |
| Tri Counties BankBank Chico, CA | 70 out of 100, Strong | $9.9B | 12.0% | 0.94% | vs |
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |