Compared with California
8 of 20
compared fees are above the median.
10 below, 2 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
60th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the California median
of 20 compared; 10 below, 2 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Redwood Capital Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,412 banks with $300M to $1B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Redwood Capital Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 2.5% of revenue, above the 2.1% median of 1,412 banks with $300M to $1B in assets (60th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $157K in Q2 2026, 3.1% below the same quarter a year earlier ($162K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 20 compared published fees sit above the California median; 10 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with California medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 3.1% from Q3 2025 to Q2 2026, to $157K. Its share of revenue, 2.5%, is above the 2.1% median for banks with $300M to $1B in assets.
$157K
Redwood Capital BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,412 banks with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Redwood Capital Bank · $566M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Redwood Capital Bank(this institution) | Eureka, CA | $566M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baraboo State Bank | Baraboo, WI | $570M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay State Savings Bank | Worcester, MA | $580M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Bank | State Center, IA | $558M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Century Bank | Lucedale, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens' Bank & Trust Co. | Van Buren, AR | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Commercial Bank | Ithaca, MI | $553M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastern Michigan Bank | Croswell, MI | $554M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Baldwyn, MS | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers Bank of Northern Missouri | Unionville, MO | $567M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | McComb, MS | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Commercial Bank, National Association | Seguin, TX | $566M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Lorain | Lorain, OH | $574M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First National Bank & Trust Company of McAlester | McAlester, OK | $580M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Federal Savings and Loan Association of Grand Island | Grand Island, NE | $563M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hyperion Bank | Philadelphia, PA | $570M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| International Bank of Commerce | Zapata, TX | $568M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mountain Valley Bank | Walden, CO | $557M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nebraska Bank | Dodge, NE | $552M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwestern Mutual Wealth Management | Milwaukee, WI | $558M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portage Community Bank | Ravenna, OH | $552M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| SouthTrust Bank, N.A. | George West, TX | $579M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The National Bank of Middlebury | Middlebury, VT | $554M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Bank of Union | Union, MO | $578M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Point Bank | Radcliff, KY | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7 among 17 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Redwood Capital Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $157K | +$2K | +1.3% |
| Q1 2026 | $155K | −$16K | −9.4% |
| Q4 2025 | $171K | +$9K | +5.6% |
| Q3 2025 | $162K | $0 | 0.0% |
| Q2 2025 | $162K | +$6K | +3.8% |
| Q1 2025 | $156K | −$4K | −2.5% |
| Q4 2024 | $160K | +$1K | +0.6% |
| Q3 2024 | $159K | +$1K | +0.6% |
Financial cohort: 1,433 banks with $300M to $1B in assets filing for Q2 2026; 1,412 reported a share above 0% and are counted, Redwood Capital Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Redwood Capital Bank by share.
Amounts from Redwood Capital Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · Minimum daily balance $1,000.00 required to avoid
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Minimum daily balance $1,000.00 required to avoid |
| CD Early Withdrawal Penalty | $20Not compared: CD/IRA fee | per item | None |
| Early Account Closing (Less than 3 months) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee - Item Paid | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Fee - Item Returned | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Usage Charge | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | Incoming/Outgoing |
| International Wire Transfer | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | Incoming/Outgoing |
Check Services | |||
| Cashiers/Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee (non-customer/non-RCB check) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Reject Fee | $7.50Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Fee per Notary Stamp or Oath | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box 10 x 10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee (Incoming/Outgoing) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA External Transfer/Closing per IRA Plan | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Redwood Capital Bank operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state, $504.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 4 | $504.9M |
Largest competitors nearby
Local market: Humboldt county, CA, where it holds the most deposits.
| 8 in its local market | Deposit share |
|---|---|
| Columbia Bank | 20.1% |
| U.S. Bank National Association | 18.6% |
| Wells Fargo Bank, National Association | 17.4% |
| Tri Counties Bank | 12.7% |
| JPMorgan Chase Bank, National Association | 10% |
This bank holds 21.2% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.