SBA lender profile
Heritage Bank Inc
Heritage Bank Inc appears in the public SBA loan data with 587 funded 7(a) loans totaling $261.9M, an average of $446K per loan, and an estimated 5,855 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across all of its loans in the data, its charge-off rate is 2.0%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
587
Total volume
$261.9M
Average loan size
$446K
Charge-off rate
2.0%
Share of funded loans charged off
Jobs supported (reported)
5,855
Programs
7(a)
Where Heritage Bank Inc lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 67 | $24.2M |
| Texas | 44 | $23.3M |
| Florida | 61 | $23.2M |
| Kentucky | 22 | $17.4M |
| New York | 46 | $15.2M |
| Pennsylvania | 29 | $15.0M |
What Heritage Bank Inc funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 74 | $43.7M |
| Other Services | 55 | $30.3M |
| Retail Trade | 71 | $28.6M |
| Construction | 63 | $26.2M |
| Health Care and Social Assistance | 59 | $24.5M |
| Manufacturing | 35 | $24.2M |
Heritage Bank Inc SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2021 | 2 | $1.4M |
| 2022 | 4 | $4.6M |
| 2023 | 135 | $45.5M |
| 2024 | 223 | $52.3M |
| 2025 | 185 | $130.9M |
| 2026 | 38 | $27.2M |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of Heritage Bank Inc's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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