This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Salinas, CA
Health score
82.0
Total assets
$653.3M
Bank
Eureka, CA
Health score
85.6
Total assets
$566.0M
Answer first
Pacific Valley Bank leads on capitalization and growth; Redwood Capital Bank leads on financial health and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Redwood Capital Bank
Higher TFS health score
Capitalization
Pacific Valley Bank
Higher comparable capital ratio
Profitability
Redwood Capital Bank
Higher return on assets
Lending quality
Redwood Capital Bank
Lower problem-loan measure
Growth
Pacific Valley Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Pacific Valley Bank | Redwood Capital Bank |
|---|---|---|
| TFS health score | 82.0/100 | 85.6/100Leads |
| Total assets | $653.3M | $566.0M |
| Total deposits / shares | $570.5M | $504.9M |
| Tier 1 capital ratio | 12.60%Leads | 10.96% |
| Return on assets | 0.87% | 1.16%Leads |
| Return on equity | 7.38% | 11.54% |
Pacific Valley Bank
5 branches
Redwood Capital Bank
4 branches
Both institutions report branches in 1 state: CA.
Pacific Valley Bank
Unavailable
Redwood Capital Bank
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Pacific Valley Bank
0 in TFS registry
Redwood Capital Bank
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Pacific Valley Bank score | Pacific Valley Bank ROA | Redwood Capital Bank score | Redwood Capital Bank ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.93% | — | 1.21% |
| 2024-Q4 | — | 0.89% | — | 1.19% |
| 2025-Q1 | — | 0.73% | — | 1.06% |
| 2025-Q2 | — | 0.73% | — | 1.04% |
| 2025-Q3 | — | 0.74% | — | 1.11% |
| 2025-Q4 | — | 0.69% | — | 1.13% |
| 2026-Q1 | 79.0/100 | 0.79% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| Non-performing loans | 0.24% | 0.13%Leads |
| Net charge-offs | -0.02%Leads | -0.00% |
| Efficiency ratio | 67.79% | 62.77%Leads |
| Loan-to-deposit ratio | 94.52% | 78.44% |
| Asset growth (YoY) | 14.09%Leads | 2.38% |
| Deposit / share growth (YoY) | 16.19%Leads | 2.83% |
| Branches | 5 | 4 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 86.1/100 |
| 1.14% |
| 2026-Q2 | 82.0/100 | 0.87% | 85.6/100 | 1.16% |