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.
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