Total Assets
$5.8B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$4.9B
Customer-funded liabilities
Net Loans
$3.6B
Outstanding loan book
Net Income
$53M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
7.29%
Efficiency Ratio
60.88%
What the numbers say about Heritage Bank of Commerce
Heritage Bank of Commerce is an FDIC-insured institution (Certificate #33905) headquartered in San Jose, California, established in 1994. It holds $5.8B in total assets - 259th of 4,313 FDIC-insured banks, $4.9B in customer deposits, and $3.6B in net loans. Capital-wise, the Tier 1 ratio sits at 13.55%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.36%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Heritage Bank of Commerce sits in the top decile of all FDIC-insured institutions by asset size (259th of 4,313), and within California it ranks 22nd of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Farmers & Merchants Bank of Central C…, at $5.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in California by total assets
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.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Heritage Bank of Commerce's health grade?▼
Heritage Bank of Commerce receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Heritage Bank of Commerce?▼
Heritage Bank of Commerce holds $5.8B in total assets and $4.9B in deposits, ranking 259th of 4,313 FDIC-insured banks by asset size. It is headquartered in San Jose, California.
Is my money safe at Heritage Bank of Commerce?▼
Yes, deposits at Heritage Bank of Commerce (Certificate #33905) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Heritage Bank of Commerce's Tier 1 Capital Ratio?▼
Heritage Bank of Commerce has a Tier 1 Capital Ratio of 13.55%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Heritage Bank of Commerce?▼
Heritage Bank of Commerce has a Texas Ratio of 0.36%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Heritage Bank of Commerce?▼
Heritage Bank of Commerce has an Efficiency Ratio of 60.88%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Heritage Bank of Commerce's profile as a depositor or analyst.
- Heritage Bank of Commerce's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Heritage Bank of Commerce against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.