Detective Brett Ridgeman
An aging, hard-boiled detective in the fictional city of Bulwark who is put on extended, unpaid leave after his use of unnecessary force on a suspect is publicized.
- Cowboy Cop
- Dirty Cop: After his suspension, Ridgeman quickly decides to turn to crime.
- Fatal Flaw: Ridgeman is constantly scanning every situation for all the angles, literally listing out the percentage likelihood of all possible outcomes. This hyper-vigilance is what leads him to pull a gun on Henry and make one final demand once they're in the clear, leading to a struggle in which Henry accidentally shoots him even though neither man had any intention of betraying or killing the other. In the end, Ridgeman was too focused on the angles to put any faith in Henry - and even after Ridgeman is dead Henry still sends his family a cut of the take, proving that Ridgeman's suspicion was entirely misplaced.
- Red Oni, Blue Oni: Red to Lurasetti's Blue.
- Would Hit a Girl: Well, he would shoot an armed and dangerous woman in self defense - even if she's an innocent hostage being blackmailed into attacking him. It's a complicated situation.
Detective Anthony "Tony" Lurasetti
Detective Ridgeman's younger, more even-tempered partner.
- Did Not Get the Girl: In his final moments he listens to a voicemail from his girlfriend Denise responding to his marriage proposal. The audience doesn't get to hear the voicemail - Lurasetti's only reaction is to say "Not the response I was hoping for."
- Failed a Spot Check: Fatally shot by the bank robbers' seemingly escaped hostage, who was actually blackmailed by the robbers into launching a surprise attack on the detectives.
- Friendly Sniper: Was a sniper in the U.S. Army before becoming a police officer. Comes into play during the heist, in which he makes use of a sniper rifle to suppress the robbers.
- Gosh Dang It to Heck!: In lieu of any profanity, Lurasetti opts instead to say "Anchovies".
- My God, What Have I Done?: Lurasetti is troubled by the fact that he and Ridgeman refrained from intervening in an armed bank robbery so they could steal the take later on - especially when he learns just how many innocent people were killed during that robbery.
- Red Oni, Blue Oni: Blue to Ridgeman's Red.
A cunning, resourceful ex-con looking to support his drug-addict mother and wheelchair-bound brother.
- A Lighter Shade of Gray: He teams up with ruthless bank robbers who end up executing numerous innocent people, but it's clear he didn't realize how far things would go; he was just desperate for the money involved. Once he realizes the more ruthless robbers were going to dispose of him, he turns on them. He also sends a fair amount of gold to Ridgeman's family after the heat dies down, keeping his word to him. Ultimately, he may be a criminal, but he's not a bad person.
- Due to the Dead: He buries Ridgeman and Lurasetti after the robbery. The graves are admittedly shallow, but that's because he has to get out of there in a hurry. He promises to return and bury them properly when the heat dies down.
- Rags to Riches: At the start of the film, he is a recently released ex-con who lives with his mother and younger brother in a small apartment in a bad neighborhood. He walks away from the robbery with a vast amount of gold. Nearly a year after the robbery, he lives in a lavish mansion with his mother and younger brother.
A small-time career criminal and Henry Johns' childhood friend.
The ruthless, calculating leader of a crew of bank robbers.
A bank teller and young mother who gets caught up in Vogelman's robbery.
- Ambiguous Disorder: She's an emotional wreck for having to leave her baby at home with her husband and returning to work. She intentionally misses the bus to go back and see her baby, but her husband tells her that she must return to work because she has exhausted her maternity leave and vacation days. It seems likely that she suffers from postpartum depression and/or some kind of anxiety disorder.
- For Want of a Nail: She could have survived the events of the film if her husband had allowed her to stay home with their newborn baby for just one more day. Hell, even if she had taken a later bus and showed up later than she did, she would have made it.
- Too Good for This Sinful Earth: One of (if not the) most sympathetic characters in the film. She is mercilessly shot to death by the robbers after trying to stop her coworker from sending an email to police, since the robber would have killed everyone if the police showed up.
Brett Ridgeman's wife, a former cop unable to work due to her worsening Multiple Sclerosis.
Brett and Melanie Ridgeman's teenage daughter.
Lieutenant G. Calvert
Ridgeman's former partner, now his lieutenant.
- Reasonable Authority Figure: While Calvert is charged with breaking bad news to Ridgeman and Lurasetti, he clearly takes no pleasure in it. In fact, he seems to respect the two for their otherwise admirable records and agrees with them that the media is wrong in its treatment of the two.
- We Used to Be Friends: Years ago, he and Ridgeman were partners, and a framed newspaper article in his office indicates that the two made a massive drug bust together. Their current relationship is fairly impersonal, and it is implied that Ridgeman resents Calvert for having a more successful career.
The manager of the bank targeted by Vogelman.
- Benevolent Boss: He welcomes Kelly back to work in a friendly and courteous manner.
Black Gloved and Grey Gloved Robbers
Vogelman's two masked accomplices.
- Creepy Monotone: Both of them.
- The Faceless: Both spend their entire screentime in full identical gear, balaclavas and large black goggles, covering everything but their mouths.
- For the Evulz: The only possible explanation for their excessively violent and sadistic behavior.
- No Name Given: Credited only as "Black Gloved Robber" and "Grey Gloved Robber".
- Politically Incorrect Villain: One of the robbers taunts a Latino mark before executing him in his car - he then places a large sombrero on the dead man's head, for no apparent reason but his own amusement. Later while disemboweling Biscuit's corpse, one of the robbers warns the other not to puncture the liver - "Worst smell in the world, especially for black guys."
- Those Two Bad Guys: And good luck telling them apart.