FDIC Cert #33905 · San Jose, California · Est. 1994

Heritage Bank of Commerce - FDIC Bank Health Profile

A community-scale look at Heritage Bank of Commerce's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$5.8B
Total assets
B
Health grade · Good
0.94%
Return on assets
13.6%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank of Commerce earns a PlainBankData health grade of B (77/100), with well-capitalized at 13.55% Tier 1, 0.94% ROA, 61% efficiency ratio.

#259
largest of 4,313 FDIC banks by assets
94th
percentile by asset size, nationally
13.55%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 33905 · CA B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2297/4307
  • PHOTO-FINISH Capitol Bank · WI
  • TIER1-WELL 13.6% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Capitol Bank, WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heritage Bank of Commerce

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Boone Bank & Trust Co. · IA …77/100Capitol Bank · WI · near77/100CFG Bank · MD · near77/100Great Plains Nationa… · OK ·…77/100Heritage Bank of Com… · CA ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank of Commerce · July 2026

Call Report read for Heritage Bank of Commerce in a high-failure state

Heritage Bank of Commerce (FDIC Cert #33905) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,297 of 4,307. Tier 1 capital prints at 13.55%, clearing the 10% well-capitalized line. The Texas Ratio is 0.36%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $5.8B, 259th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Capitol Bank (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heritage Bank of Commerce

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Heritage Bank of Commerce sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Heritage Bank of Commerce's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Heritage Bank of Commerce's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
Heritage Bank of Commerce's composite health score
Tier 1 Capital Ratio (13.55%) 35/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.36%) 20/20
Efficiency Ratio (60.88%) 8/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$5.8B

Total balance-sheet footings

Total Deposits

$4.9B

Customer-funded liabilities

Net Loans

$3.6B

Outstanding loan book

Net Income

$53M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.15% 13.55% 14.95%
Basel III capital ratios - Heritage Bank of Commerce

Where Heritage Bank of Commerce ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank of Commerce's score of 77/100 falls in the highlighted band.

Heritage Bank of Commerce: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank of Commerce 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heritage Bank of Commerce's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heritage Bank of Commerce's $5.8B falls in the highlighted band.

Capital & credit buffers at Heritage Bank of Commerce

Tier 1 capital ratio
Well-capitalized 10%

13.55% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.55%
Texas Ratio
0.36%
Equity Capital
$734M

What these ratios mean →

Profitability metrics: Heritage Bank of Commerce

Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
7.29%
Efficiency Ratio
60.88%

What these mean →

Income & expense at Heritage Bank of Commerce

$260M
Interest Income
$9M
Non-Interest Income
$123M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank of Commerce reports a Texas Ratio of 0.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank of Commerce on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($5.8B here), outside California so the neighborhood is not state containment.

Emigrant Bank $5.8B · FL Northfield Bank $5.8B · NY First Financial Bank $5.7B · IN CFG Bank $5.7B · MD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank of Commerce (FDIC Cert #33905) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Heritage Bank of Commerce Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
City National BankLos Angeles $98.4B A 0.95%
East West BankPasadena $79.7B A 1.72%
Banc of CaliforniaLos Angeles $34.7B B 0.78%
Axos BankSan Diego $27.2B A 1.77%
Cathay BankLos Angeles $24.2B A 1.38%
Mechanics BankWalnut Creek $22.4B A 1.44%
Bank of HopeLos Angeles $18.5B B 0.42%
Citizens Business Bank, National AssociationOntario $15.6B A 1.39%