Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 9 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 402 G Street, Eureka, CA 95501 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Redwood Capital Bank (FDIC cert 57610). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $566 million (as of 30 Jun 2026) |
|---|---|
| Offices | 4 (as of 30 Oct 2026) |
Offices by state and county (4)
California (4 offices)
- Humboldt County (4): 402 G St, Eureka 95501 (main office); 1315 G St, Arcata 95521; 2816 F St, Eureka 95501; 1075 S Fortuna Blvd, Fortuna 95540
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Redwood Capital Bank (RSSD 3247589, FDIC cert 57610). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $402.3 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 5.3% from $382.3 million on 30 Jun 2025 |
| Total assets | $566 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $36.3 million | 9.0% |
| Home equity lines of credit | $24 million | 6.0% |
| Commercial real estate, construction and multifamily | $316.4 million | 78.6% |
| Commercial and industrial (business) loans | $17.8 million | 4.4% |
| Farmland and farm production loans | $7 million | 1.7% |
| Consumer loans (credit cards, auto, other) | $933,000 | 0.2% |
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 11 loans $391,000 | 85 loans $1.8 million |
| $100,001 to $250,000 | 58 loans $7.7 million | 30 loans $3.3 million |
| $250,001 to $1 million | 140 loans $49.6 million | 34 loans $7.3 million |
| All small business loans | 209 loans $57.7 million | 149 loans $12.4 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | none reported | none reported |
| $100,001 to $250,000 | 1 loan $119,000 | 1 loan $125,000 |
| $250,001 to $500,000 | 2 loans $686,000 | none reported |
| All small farm loans | 3 loans $805,000 | 1 loan $125,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| SBA approvals, FY2023–24 → FY2025–26 | 4 → 3 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 11 → 12. |
| Total assets (Call Report, 30 Jun 2026) | $566 million | Larger than 25% of the 8 other certified banks and bank holding companies in California (median $782 million). |
| Loans as a share of assets | 71% | Median of the same 8 banks and bank holding companies: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $382.3 million → $402.3 million (+5%) | Median change of 8 other certified banks and bank holding companies in California: +11%. Rank by loans held among these 9: 6 → 6. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 11 → 12 of 21 |
| Call Report total assets | other certified banks and bank holding companies in California | 8 | larger than 25% |
| Loans held then vs now | certified banks and bank holding companies in California reporting both dates | 8 | rank 6 → 6 of 9 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 12 SBA-backed approvals for REDWOOD CAPITAL BANK in fiscal years 2020–2026 (October 2019 to September 2026):
- 12 504 projects as the third-party (first-lien) lender: $12.7M in total (its own third-party loan amount), median $415,000
By fiscal year: FY2020 0 · FY2021 4 · FY2022 1 · FY2023 4 · FY2024 0 · FY2025 2 · FY2026 1.
What actually happened
- Size of its 504 first-lien loans (third-party lender): half were between $327,500 and $1.6M, median $415,000 (12 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (12 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (12, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (4)
- Retail trade (3)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Redwood Capital Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. REDWOOD CAPITAL BANK may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Eureka and California
- Arcata Economic Development CorporationLoan fund · Eureka, CACommercial real estate loans, Microloans, Small-business loansVerified
- Coast Central Credit UnionCredit union · Eureka, CAAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgagesVerified
- REDWOOD CAPITAL BANCORPBank holding company · Eureka, CAOfficial list only
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
Work at REDWOOD CAPITAL BANK? Link to this page
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