HERITAGE BANK OF COMMERCE

SAN JOSE, CA | Large | Est. June 8, 1994, midnight | FDIC #33905 | RSSD #2209553 | FED
Latest Report: 2025-12-31

HERITAGE BANK OF COMMERCE is aln large FDIC-insured commercial bank headquartered in SAN JOSE, CA, established in June 8, 1994, midnight. As of 2025-12-31, the bank reported total assets of $5.8B and total deposits of $4.9B. Profitability stands at 1.15% ROA and 8.95% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 13.55%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.26%. FDIC Certificate #33905.

Assets

$5.8B

Deposits

$4.9B

Loans

$3.7B

Equity

$734M

Profitability

Return on Assets (ROA) 1.15%
Return on Equity (ROE) 8.95%
Net Interest Margin (NIM) 3.95%
Yield on Assets 5.18%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.26%
NPA Ratio 0.04%
ACL / Loans 1.37%

Capital & Liquidity

CET1 Ratio 13.55%
Tier 1 Capital 13.55%
Total Capital Ratio 14.77%
Leverage Ratio 10.10%
Loan-to-Deposit 74.36%

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