Heritage Bank of Commerce

BankSan Jose, California
www.heritagebankofcommerce.bank

Total Assets

$5.8B

Total Deposits

$4.9B

Branches

17

Established

1994

TFS Health Grade

$
C

73.8 / 100

Average financial health

How we grade

Heritage Bank of Commerce is a bank headquartered in San Jose, California, established in 1994. With $5.8B in total assets and 17 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.10%(8%)
Total Capital Ratio
14.77%(10%)
Non-Performing Loan Ratio
0.08%

Profitability

Return on Assets (ROA)
0.94%(1%)
Return on Equity (ROE)
7.29%(10%)
Net Interest Margin
3.68%
Efficiency Ratio
60.88%(60%)

Lending & Liquidity

Total Loans
$3.7B
Loan-to-Deposit Ratio
73.34%
Net Charge-Off Ratio
0.02%

Growth

Asset Growth (YoY)
+2.12%
Deposit Growth (YoY)
+1.61%
Net Income
$52.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in California