Redwood Capital Bank
Eureka, CA
IDRSSD: 3247589
Total Assets
$544.80M
Latest filing
Total Deposits
$486.50M
Latest filing
Net Interest Margin
4.15%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Redwood Capital Bank
402 G St
Eureka, CA 95501
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/01/2004FDIC Certificate 418420
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Redwood Capital Bank (Main) | 402 G St | Eureka, CA |
| FORTUNA BRANCH | 1075 S Fortuna Blvd | Fortuna, CA |
| ARCATA BRANCH | 1315 G St | Arcata, CA |
| HENDERSON CENTER BRANCH | 2816 F St | Eureka, CA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/2004 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95501 |
| State and County Number | 06023 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Eureka-Arcata, CA |
Operational Info
| Number of Employees | 80 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/01/2004 |
| Primary Insurance Agency | DIF |
| Website | http://www.rdwo.com |
| Data Updated | 11/14/2025 |
| CERT | 57610 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $544.80M |
| Total Deposits | $486.50M |
| Total Liabilities | $491.16M |
| Total Equity Capital | $53.65M |
| Net Income | $1.71M |
| Net Loans and Leases | $381.12M |
| Assets Per Employee ($Millions) | $6.81M |
| Bank Premises and Fixed Assets | $8.61M |
| Cash and Balances due from Depository Institutions | $23.97M |
| Deposits Held in Domestic Offices | $486.50M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 12.33% |
| Net Interest Margin | 4.15% |
| Efficiency Ratio | 59.16% |
| Tier 1 Risk-Based Capital Ratio | 14.277% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.847% |
| Earning Assets to total Assets | 91.97% |
Income and Expense
| Total Interest Income | $6.48M |
| Total Noninterest Income | $745.00k |
| Total Interest Expense | $1.26M |
| Total Noninterest Expense | $3.53M |
| Net Interest Income | $5.22M |
| Pre-tax Net Operating Income | $2.40M |
| Provision for Credit Losses | $33.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $33.18M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.66M |
| Total Liabilities and Capital | $544.80M |
Securities
| Securities | $72.38M |
| Available-for-sale debt securities | $72.38M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Redwood Capital Bank?
$544.80M as of the latest filing.
How much are Redwood Capital Bank's total deposits?
$486.50M in total deposits.
Where is Redwood Capital Bank located?
Eureka, CA.
What is the Net Interest Margin?
4.15%.
How many domestic offices does it operate?
4.
When was it established?
03/01/2004.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$381.12M (latest filing).
What is the total interest income (latest filing)?
$6.48M.