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Heritage Bank of Commerce


ACH Number: 121135773

Heritage Bank of Commerce is an FDIC insured institution headquartered at 224 Airport Pkwy, San Jose, CA 95110.
It was founded in 1994 and has approximately $6 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - August 19, 2026

CD RATES APY MIN
6 Mo CD
0.05% $10,000 Compare
6 Mo CD
0.15% $100,000 Compare
12 Mo CD
0.10% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
24 Mo CD
0.20% $10,000 Compare
24 Mo CD
0.25% $100,000 Compare
36 Mo CD
0.30% $10,000 Compare
36 Mo CD
0.35% $100,000 Compare
MM RATES APY MIN
Money Market
0.05% $2,500 Compare
Money Market
0.05% $10,000 Compare
Money Market
0.05% $25,000 Compare
FIXED IRA RATES APY MIN
Fixed IRA
0.10% $1
INT CHECKING RATES APY MIN
Int Ckg
0.02% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 33905
Date Established 1994
Assets $ 5.76 billion
Loans $ 3.60 billion
Deposits $ 4.91 billion
Capital $ 733.63 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 647.03 million
Interest-bearing balances $ 625.35 million
Total securities $ 1,122.67 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 3.60 billion
Loan loss allowance $ 50.00 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 172.51 million
All other assets $ 160.72 million
     Total Assets $ 5.03 billion

LIABILITIES
Total deposits $ 4.91 billion
      Interest-bearing deposits $ 3.59 billion
      Deposits held in domestic offices $ 4.91 billion
      % insured (estimated)" 52.17%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 96.42 millionn
      Total Liabilities $ 5.03 billion
      Shareholders’ Equity $ 733.63 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 259.82 million
Total Interest Expense $ 69.47 million
Net interest income $ 190.35 million
Provision for loan and lease losses $ 1.88 million
Total non interest income $ 9.27 million
Total non interest expense $ 123.34 million
Pre-tax Net Operating Income $ 41.83 million

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