Heritage Bank of Commerce
San Jose, CA
IDRSSD: 2209553
Total Assets
$5.76B
Latest filing
Total Deposits
$4.91B
Latest filing
Net Interest Margin
3.92%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank of Commerce
224 Airport Pkwy
San Jose, CA 95110
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/08/1994FDIC Certificate 54761
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Heritage Bank of Commerce (Main) | 224 Airport Pkwy | San Jose, CA |
| DANVILLE BRANCH | 387 Diablo Rd | Danville, CA |
| LOS GATOS BRANCH | 15575 Los Gatos Blvd | Los Gatos, CA |
| ALAMEDA/CONTRA COSTA COUNTY COURIER | 387 Diablo Rd | Danville, CA |
| PLEASANTON OFFICE | 300 Main St | Pleasanton, CA |
| SAN FRANCISCO BRANCH | 120 Kearny Street, Suite 2300 | San Francisco, CA |
| REDWOOD CITY BRANCH | 2400 Broadway St | Redwood City, CA |
| SAN RAFAEL BRANCH | 999 5th Ave | San Rafael, CA |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 06/08/1994 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95110 |
| State and County Number | 06085 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Jose-Sunnyvale-Santa Clara, CA |
Operational Info
| Number of Employees | 350 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 06/08/1994 |
| Primary Insurance Agency | DIF |
| Website | www.heritagebankofcommerce.bank |
| Data Updated | 01/30/2026 |
| CERT | 33905 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $5.76B |
| Total Deposits | $4.91B |
| Total Liabilities | $5.03B |
| Total Equity Capital | $733.63M |
| Net Income | $16.31M |
| Net Loans and Leases | $3.60B |
| Assets Per Employee ($Millions) | $16.85M |
| Bank Premises and Fixed Assets | $37.68M |
| Cash and Balances due from Depository Institutions | $647.03M |
| Deposits Held in Domestic Offices | $4.91B |
Key Performance Ratios
| Return on Assets (ROA) | 1.15% |
| Return on Equity (ROE) | 8.95% |
| Net Interest Margin | 3.92% |
| Efficiency Ratio | 54.36% |
| Tier 1 Risk-Based Capital Ratio | 13.553% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.734% |
| Earning Assets to total Assets | 92.9% |
Income and Expense
| Total Interest Income | $67.75M |
| Total Noninterest Income | $2.50M |
| Total Interest Expense | $16.09M |
| Total Noninterest Expense | $29.89M |
| Net Interest Income | $51.66M |
| Pre-tax Net Operating Income | $23.66M |
| Provision for Credit Losses | $610.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $112.98M |
| Total Liabilities and Capital | $5.76B |
Securities
| Securities | $1.12B |
| Available-for-sale debt securities | $592.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $529.72M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank of Commerce?
$5.76B as of the latest filing.
How much are Heritage Bank of Commerce's total deposits?
$4.91B in total deposits.
Where is Heritage Bank of Commerce located?
San Jose, CA.
What is the Net Interest Margin?
3.92%.
How many domestic offices does it operate?
17.
When was it established?
06/08/1994.
What is the Return on Assets (ROA)?
1.15%.
How much are total loans and leases?
$3.60B (latest filing).
What is the total interest income (latest filing)?
$67.75M.