Earnings Release – Redwood Capital Bancorp – Third Quarter, 2026

Jennifer P. Budwig, President of Redwood Capital Bancorp

“During the third quarter of 2026, the Company remains well-capitalized with a capital ratio of 11.26% at quarter-end. Throughout the third quarter of 2026, Redwood Capital Bank experienced consistent growth in net interest margin at 4.23%. Gross loans are up $29.4 million year to date. Overall, the Bank’s balance sheet remains strong, while earnings remain consistent. As of the third quarter of 2026, tangible book value has risen 7% to $30.46 with earnings per share (EPS) increasing 28% to $2.52 per share compared to the same period in 2025. These results reflect the Board of Directors and the management team’s commitment to the Company’s long-term performance.”

Jennifer P. Budwig, President of Redwood Capital Bancorp

“I am pleased to announce Redwood Capital Bank's expansion into Shasta County with the establishment of a non-branch, Loan Production Office (LPO) in Redding, California. This exciting new chapter allows us to extend our relationship-focused approach to commercial lending into the greater Redding area. Equally exciting is Redwood Capital Bank’s recent certification as a Community Development Financial Institution (CDFI), an important milestone that reinforces our mission as a community bank. This designation provides additional opportunities to expand access to capital, support local businesses and strengthen the communities we serve. As we look ahead, we remain focused on responsible growth, exceptional customer service and making a meaningful difference in the lives of our customers and communities.”