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This institution is no longer active

Operations ceased on April 17, 2026. CRA examination history below reflects the period it was active.

HERITAGE BANK OF COMMERCE

SAN JOSE, CA · Supervised by FDIC

Est. 1994FDIC #33,905RSSD: FDIC-33905
Part ofHERITAGE COMMERCE CORP→ View all charters
Satisfactory Same

Current rating · Exam: July 1999

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.12%

Institution Profile

FDIC BankFind

Address

224 Airport Pkwy, SAN JOSE, CA

County

Santa Clara County

Established

June 8, 1994

Total Assets

$5.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$5.7B

Total Deposits

$4.8B

Net Loans

$3.6B

Net Income

$-1,758K

ROA

-0.12%

ROE

-0.97%

Risk-Based Capital

14.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate3.33%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$4.6B

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20243080%3.33%
202335100%0.00%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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