Redwood Capital Bank
Eureka, CA
IDRSSD: 3247589
Total Assets
$531.61M
Latest filing
Total Deposits
$472.19M
Latest filing
Net Interest Margin
4.19%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
121143752EUREKA, CA
Key People
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Locations
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Main Office
Redwood Capital Bank
402 G St
Eureka, CA 95501
Full Service - Brick and Mortar
Updated 01/30/2026Established 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 | 01/30/2026 |
| CERT | 57610 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $531.61M |
| Total Deposits | $472.19M |
| Total Liabilities | $477.01M |
| Total Equity Capital | $54.60M |
| Net Income | $1.56M |
| Net Loans and Leases | $375.60M |
| Assets Per Employee ($Millions) | $6.65M |
| Bank Premises and Fixed Assets | $8.49M |
| Cash and Balances due from Depository Institutions | $19.92M |
| Deposits Held in Domestic Offices | $472.19M |
Key Performance Ratios
| Return on Assets (ROA) | 1.16% |
| Return on Equity (ROE) | 11.54% |
| Net Interest Margin | 4.19% |
| Efficiency Ratio | 65.69% |
| Tier 1 Risk-Based Capital Ratio | 14.705% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.271% |
| Earning Assets to total Assets | 92.15% |
Income and Expense
| Total Interest Income | $6.36M |
| Total Noninterest Income | $617.00k |
| Total Interest Expense | $1.17M |
| Total Noninterest Expense | $3.81M |
| Net Interest Income | $5.19M |
| Pre-tax Net Operating Income | $2.16M |
| Provision for Credit Losses | $-166,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $26.09M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.82M |
| Total Liabilities and Capital | $531.61M |
Securities
| Securities | $76.26M |
| Available-for-sale debt securities | $76.26M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$531.61M as of the latest filing.
How much are Redwood Capital Bank's total deposits?
$472.19M in total deposits.
Where is Redwood Capital Bank located?
Eureka, CA.
What is the Net Interest Margin?
4.19%.
How many domestic offices does it operate?
4.
When was it established?
03/01/2004.
What is the Return on Assets (ROA)?
1.16%.
How much are total loans and leases?
$375.60M (latest filing).
What is the total interest income (latest filing)?
$6.36M.