HERITAGE BANK OF COMMERCE
SAN JOSE, CALIFORNIA · FDIC Cert #33905
Capital & Safety Analysis
According to FDIC financial data, HERITAGE BANK OF COMMERCE holds a Tier 1 capital ratio of 13.91%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HERITAGE BANK OF COMMERCE has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HERITAGE BANK OF COMMERCE shows strong financial health indicators. With $5.3B in assets and a Health Score of 92/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HERITAGE BANK OF COMMERCE has a Bank Health Score of A (92/100). It holds a Tier 1 capital ratio of 13.91%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HERITAGE BANK OF COMMERCE holds $5.3B in total assets and $4.5B in total deposits. It is located in SAN JOSE, CALIFORNIA (FDIC Certificate #33905).
HERITAGE BANK OF COMMERCE has a Tier 1 capital ratio of 13.91%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.18%, and the return on assets is 1.18%.
Yes. HERITAGE BANK OF COMMERCE is FDIC-insured (Certificate #33905). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.