Is Heritage Bank of Commerce Safe?
Heritage Bank of Commerce has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (67/100).
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.
Heritage Bank of Commerce has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is liquidity (97/100), while profitability is its weakest area (67/100).