BanksHERITAGE BANK OF COMMERCE

HERITAGE BANK OF COMMERCE

SAN JOSE, CALargeEst. June 8, 1994, midnightFDIC #33905RSSD #2209553FED
Latest · 2025-12-31

HERITAGE BANK OF COMMERCE is an 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%. CET1 capital ratio: 13.55%, well above regulatory minimums. NPL ratio: 0.06% · Texas Ratio: 0.26%. Operates 17 domestic branches.

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 Margin3.95%
Yield on Assets5.18%
Cost of Funds1.33%

Asset Quality

NPL Ratio0.06%
Net Charge-Off Ratio0.02%
Texas Ratio0.26%
NPA Ratio0.04%
ACL / Loans1.37%

Capital & Liquidity

CET1 Ratio13.55%
Tier 1 Capital13.55%
Total Capital Ratio14.77%
Leverage Ratio10.10%
Loan-to-Deposit74.36%

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