BlastPoint's Banking Scorecard
Redwood Capital Bank
Eureka, CA
4 branches across CA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +2.8% year over year ($504.9M on the books).
- Delinquency rate 0.13%.
- Return on assets 1.16%.
- Efficiency ratio 62.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Redwood Capital Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 1.71% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$566.0M
+2.4% YoY
+4.2% QoQ
|
+$179.5M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$396.0M
+5.3% YoY
+5.0% QoQ
|
+$137.7M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$504.9M
+2.8% YoY
+4.3% QoQ
|
+$178.2M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.16%
+12.0% YoY
+2.5% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.33%
+9.2% YoY
-2.3% QoQ
|
+0.35% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
62.77%
-5.5% YoY
-1.7% QoQ
|
-1.71% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.13%
-68.0% YoY
-17.2% QoQ
|
-0.79% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
78.44%
+2.4% YoY
+0.7% QoQ
|
+0.49% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
27.40%
-2.8% YoY
+2.5% QoQ
|
+5.37% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.17%
-37.9% YoY
-11.1% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.41%
-6.2% YoY
-1.6% QoQ
|
-1.50% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.28%
+11.7% YoY
+106.5% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
69% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.4%
-0.8pp YoY +0.7pp QoQ |
+5.3pp | 22.1% | 25.5% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 7.9% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.5%
-1.9pp YoY -0.5pp QoQ |
-7.1pp | 11.6% | 11.8% | 12.5% | 17% |
| CRE |
79.9%
+1.3pp YoY +1.3pp QoQ |
+40.4pp | 39.5% | 67.5% | 41.4% | 97% |
| 1-4 Family |
15.2%
+0.1pp YoY -0.9pp QoQ |
-17.4pp | 32.6% | 16.5% | 31.3% | 20% |
| Consumer |
0.2%
+0.1pp YoY +0.1pp QoQ |
-3.9pp | 4.1% | 5.3% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.4%
-0.9pp YoY -0.2pp QoQ |
-4.4pp | 18.8% | 23.7% | 19.7% | 43% |
| Leverage Ratio |
11.0%
-0.8pp YoY 0.0pp QoQ |
-1.2pp | 12.2% | 14.5% | 12.6% | 49% |
| Total Capital Ratio |
15.7%
-1.0pp YoY -0.2pp QoQ |
-4.3pp | 19.9% | 25.1% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
+1 (+1.2%) YoY -3 (-3.6%) QoQ |
+22 | 58 | 337 | 482 | 77% |
| Assets per Employee ($) |
$7.0M
+1.1% YoY +8.0% QoQ |
-$530K | $7.5M | $11.3M | $8.8M | 52% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 15 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.4% | 1.0% | 22% |
| Allowance Coverage |
12.35x
+199.9% YoY +17.2% QoQ |
-11.81x | 24.15x | 17.11x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+1.7pp YoY +0.4pp QoQ |
-0.7pp | 12.2% | 8.2% | 11.6% | 47% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.9% | 1.7% | 8% |
| Net Income ($, YTD) |
$3.2M
+14.4% YoY — QoQ |
+$630K | $2.6M | $28.5M | $40.4M | 72% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.