BlastPoint's Banking Scorecard
Redwood Capital Bank
Community
Specialty: Commercial
CA
FDIC cert 57610
Eureka, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Redwood Capital Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$531.6M
-0.0% YoY
-2.4% QoQ
|
-$859.8M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$375.6M
-0.2% YoY
-1.4% QoQ
|
-$599.9M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$472.2M
+0.1% YoY
-2.9% QoQ
|
-$692.4M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.13%
-4.9% YoY
+1.3% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.09%
+3.4% YoY
+1.2% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
64.34%
+7.0% YoY
+0.7% QoQ
|
+1.70% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
0.32%
-24.4% YoY
-19.9% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
79.54%
-0.3% YoY
+1.5% QoQ
|
-3.52% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
26.14%
-8.1% YoY
-5.2% QoQ
|
+5.10% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.23%
-24.5% YoY
-19.1% QoQ
|
-0.27% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
14.71%
-4.2% YoY
+3.0% QoQ
|
+4.46% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.52%
-13.7% YoY
+31.9% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#109 of 245 · Bottom 44% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.13%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Tier 1 Capital Ratio
Current: 14.71% · Tier avg: 10.24%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 21.05%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 83.06%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
43
43th pctile
Efficiency Ratio
Current: 64.34% · Tier avg: 62.63%
11
11th pctile
Total Loans
Current: $375.6M · Tier avg: $975.5M
9
9th pctile
Total Deposits
Current: $472.2M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $531.6M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $531.6M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $472.2M · Tier avg: $1.2B
11
11th pctile
Total Loans
Current: $375.6M · Tier avg: $975.5M
43
43th pctile
Efficiency Ratio
Current: 64.34% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 83.06%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.14% · Tier avg: 21.05%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.71% · Tier avg: 10.24%