Heritage Bank of Commerce Safety Rating
Heritage Bank of Commerce's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #576 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Heritage Bank of Commerce's best component is liquidity (97/100) and its weakest is profitability (67/100).
This page answers a common banking-safety question: Heritage Bank of Commerce Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Heritage Bank of Commerce Safety Rating Breakdown
- Overall rating
- Grade A (92/100)
- National rank
- #576 of 3,960
- Tier 1 capital (35%)
- 92/100
- Loan quality (30%)
- 96/100
- Liquidity (25%)
- 97/100
- Profitability (10%)
- 67/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Heritage Bank of Commerce among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 15% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 13.91% | 92/100 |
| Nonperforming Loan Ratio | 0.18% | 96/100 |
| Liquidity Ratio | 29.32% | 97/100 |
| Return on Assets | 1.18% | 67/100 |
| Total Assets | $5.3B | |
How does Heritage Bank of Commerce compare?
With a Bank Health Score of 92/100, Heritage Bank of Commerce sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Heritage Bank of Commerce ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 13.91% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.18% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Heritage Bank of Commerce's Bank Health Score fell by 4.0 points to 92/100. Tier 1 capital was essentially flat at 13.91%. Quarter-over-quarter, the score fell by 1.0 points.
Frequently Asked Questions
Heritage Bank of Commerce's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #576 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Heritage Bank of Commerce's best component is liquidity (97/100) and its weakest is profitability (67/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Heritage Bank of Commerce: Tier 1 capital scores 92/100, loan quality 96/100, liquidity 97/100, and profitability 67/100 — combining to 92/100 (grade A).
Heritage Bank of Commerce's Bank Health Score of 92/100 is 20.0 points above the California state average of 72/100. 123 FDIC-insured banks are headquartered in California.
Yes. Heritage Bank of Commerce (FDIC certificate #33905) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Heritage Bank of Commerce
Heritage Bank of Commerce's safety rating is grade A, a Bank Health Score of 92/100 built from FDIC call report data. That ranks #576 out of 3,960 FDIC-insured banks nationally (top 15%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Heritage Bank of Commerce's best component is liquidity (97/100) and its weakest is profitability (67/100).