HTBK Profile
Heritage Commerce Corp operates as the holding company for Heritage Bank of Commerce, a prominent financial institution offering a wide array of commercial and personal banking services across California. Catering to both the business and retail sectors, the bank provides diverse deposit products including interest-bearing and non-interest-bearing demand accounts, savings accounts, money market accounts, certificates of deposit, and time deposits. These offerings are designed to meet the financial needs of businesses and individuals while providing competitive interest rates and convenient access to funds.
The company's lending portfolio is robust, encompasing a variety of comercial and personal loan products. For businesses, Heritage Bank of Commerce offers commercial loans for working capital, equipment purchases, and other operational needs, as well as commercial real estate loans and construction loans for rental properties and commercial buildings. Small Business Administration (SBA) loans are also available, supporting small businesses with government-backed financing solutions. On the consumer side, the bank provides residential mortgage loans, home equity lines of credit, and consumer loans for financing automobiles and personal expenses, ensuring comprehensive financial support across various life stages.
In addition to its core banking services, Heritage Commerce Corp offers a suite of ancillary banking services designed to enhance convenience and efficiency for its customers. These services include cashier's checks, bank by mail, night depositories, safe deposit boxes, direct deposit, automated payroll processing, electronic funds transfer, online bill pay, homeowner association services, remote deposit capture, automated clearing house origination, electronic data interchange, and check imaging services. The bank also provides factoring financing and other electronic banking services, further expanding its service offerings to meet the evolving needs of businesses and individuals in the San Francisco Bay Area and beyond.
Established in 1994 and headquartered in San Jose, California, Heritage Commerce Corp has grown its presence through 17 full-service branch offices strategically located throughout the San Francisco Bay Area. With a commitment to personalized service, community engagement, and financial expertise, the bank continues to serve as a trusted partner for local businesses and residents, supporting their financial goals with tailored solutions and superior customer service.
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