Press Release

Redwood Capital Bank Forms New Holding Company to Support Growth

Company Release - 5/30/2007

EUREKA, Calif.--(BUSINESS WIRE)--

On May 30, 2007, REDWOOD CAPITAL BANK (OTCBB:RDWO) reported that it is now a wholly owned subsidiary of a newly formed holding company, Redwood Capital Bancorp (OTCBB:RWCB). Shareholders approved the reorganization on April 6, 2007 and final regulatory approval was received on April 13, 2007.

"We are happy to announce the formation of the holding company, which can provide additional flexibility when contemplating investments and our future expansion," said President and CEO John E. Dalby. "In addition, the holding company provides us with access to the trust preferred securities market and additional debt instruments. These instruments are a less costly type of capital traditionally used to fund organic growth and acquisitions and are not dilutive to our existing shareholders."

Shareholders of Redwood Capital Bank are now shareholders of Redwood Capital Bancorp with the same proportional ownership. As of Tuesday, May 29, 2007, the new Redwood Capital Bancorp shares (RWCB.OB) can be traded on the NASD OTC Bulletin Board.

Redwood Capital Bancorp is the only locally owned and operated bank holding company headquartered in Eureka, California. For more information regarding Redwood Capital Bancorp or Redwood Capital Bank, please visit our website at www.rdwo.com, contact Fred J. Moore, CFO, at (707) 444-9840, or stop by our headquarters and main office at 402 "G" Street, Eureka, California 95501.

This press release may contain forward-looking statements that are subject to risks and uncertainties. Such risks and uncertainties may include but are not necessarily limited to fluctuations in interest rates, inflation, government regulations and general economic conditions, and competition within the business areas in which the Bank is conducting its operations, including the real estate market in California and other factors beyond the Bank's control. Such risks and uncertainties could cause results for subsequent interim periods or for the entire year to differ materially from those indicated. Readers should not place undue reliance on the forward-looking statements, which reflect management's view only as of the date hereof. The Bank undertakes no obligation to publicly revise these forward-looking statements to reflect subsequent events or circumstances.

Source: Redwood Capital Bank

Contact: Redwood Capital Bank Fred J. Moore, CFO, 707-444-9840