Total Assets
$5.7B
Total Deposits
$4.8B
Branches
17
Established
1994
Heritage Bank of Commerce is a bank headquartered in San Jose, California, established in 1994. It holds $5.7B in total assets across 17 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Heritage Bank of Commerce earns a TFS Financial Health Grade of C+ (72.4/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
72.4 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Heritage Bank of CommerceHQ | 224 Airport Pkwy | San Jose | CA | 11 |
| Heritage Bank of Commerce | 387 Diablo Rd | Danville | CA | 11 |
| Heritage Bank of Commerce | 387 Diablo Rd | Danville | CA | 27 |
| Heritage Bank of Commerce | 3137 Stevenson Blvd | Fremont | CA | 11 |
| Heritage Bank of Commerce | 351 Tres Pinos Rd Ste 102a | Hollister | CA | 11 |
| Heritage Bank of Commerce | 1987 1st St | Livermore | CA | 11 |
| Heritage Bank of Commerce | 419 S San Antonio Rd | Los Altos | CA | 11 |
| Heritage Bank of Commerce | 15575 Los Gatos Blvd | Los Gatos | CA | 11 |
| Heritage Bank of Commerce | 18625 Sutter Blvd | Morgan Hill | CA | 11 |
| Heritage Bank of Commerce | 1111 Broadway | Oakland | CA | 11 |
| Heritage Bank of Commerce | 325 Lytton Ave | Palo Alto | CA | 11 |
| Heritage Bank of Commerce | 300 Main St | Pleasanton | CA | 11 |
| Heritage Bank of Commerce | 2400 Broadway St | Redwood City | CA | 11 |
| Heritage Bank of Commerce | 120 Kearny Street, Suite 2300 | San Francisco | CA | 11 |
| Heritage Bank of Commerce | 400 S El Camino Real | San Mateo | CA | 11 |
| Heritage Bank of Commerce | 999 5th Ave | San Rafael | CA | 11 |
| Heritage Bank of Commerce | 1990 N California Blvd | Walnut Creek | CA | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
72.4
Tier 1 capital ratio
9.89%
Return on assets
-0.12%
Non-performing loans
0.10%
Efficiency ratio
105.60%
Asset growth (YoY)
2.86%
Suggested direct comparisons
$656.4M
$5.9B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.