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Heritage Bank of Commerce
San Jose, CA·FDIC Cert #33905·Charter: STATE·Est. 19940608.0·HC: HERITAGE COMMERCE CORP
Total Assets
$5.8B
Q4 2025
Return on Assets
0.94%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.88%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%+0.07
ROE
7.29%+0.56
Efficiency
60.88%-2.43
Equity/Assets
0.00%+0.00
NPL Ratio
0.08%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
73.34%-0.44
Charge-offs
0.02%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.8 | 0.8 | 0.9 | 0.7 | 0.9 | 0.9 |
| ROE | 6.5 | 6.3 | 6.4 | 6.5 | 7.2 | 5.7 | 6.7 | 7.3 |
| Efficiency | 60.7 | 61.7 | 61.4 | 61.2 | 59.8 | 68.0 | 63.3 | 60.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 0.0 |
| Loan/Deposit | 73.7 | 74.7 | 70.9 | 71.2 | 73.2 | 75.1 | 73.8 | 73.3 |
Balance Sheet
Total Assets$5.8B
Total Deposits$4.9B
Total Loans$3.6B
Total Equity$733.6M
Profitability
ROA0.94%
ROE7.29%
Efficiency Ratio60.88%
Net Income$52.5M
Risk & Asset Quality
NPL Ratio0.08%
Charge-off Rate0.02%
Loan/Deposit73.34%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans