SBA lender profile
Heritage Bank of Commerce
Heritage Bank of Commerce appears in the public SBA loan data with 565 funded 7(a) loans since FY2010, totaling $402.6M, an average of $712K per loan, and an estimated 10,571 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 3.0%. 73.6% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 73
- Scale 86
- Activity 73
- Consistency 85
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Heritage Bank of Commerce the right lender for you?
Lenders fund what they know. Heritage Bank of Commerce's SBA lending concentrates in California (562 loans) and Accommodation and Food Services (147 loans), at an average loan of $712K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $5.7B
- Headquarters
- San Jose, CA
- FDIC cert
- #33905
- Status
- Inactive
Where Heritage Bank of Commerce lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 562 | $399.4M |
| Nevada | 3 | $3.2M |
Metro areas where Heritage Bank of Commerce funds
What Heritage Bank of Commerce funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 147 | $164.8M |
| Manufacturing | 64 | $39.3M |
| Retail Trade | 56 | $39.1M |
| Construction | 52 | $33.5M |
| Health Care and Social Assistance | 60 | $33.4M |
| Professional and Technical Services | 53 | $24.5M |
Heritage Bank of Commerce SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 54 | $29.9M |
| 2011 | 53 | $32.2M |
| 2012 | 49 | $34.7M |
| 2013 | 55 | $46.0M |
| 2014 | 48 | $37.8M |
| 2015 | 67 | $59.4M |
| 2016 | 42 | $22.2M |
| 2017 | 35 | $19.1M |
| 2018 | 34 | $23.7M |
| 2019 | 15 | $8.5M |
| 2020 | 30 | $23.1M |
| 2021 | 17 | $18.6M |
| 2022 | 13 | $11.6M |
| 2023 | 16 | $12.5M |
| 2024 | 16 | $9.2M |
| 2025 | 10 | $3.6M |
| 2026 | 11 | $10.5M |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Heritage Bank of Commerce: frequently asked questions
Does Heritage Bank of Commerce offer SBA loans?
Yes. Heritage Bank of Commerce appears in the public SBA data with 565 funded SBA 7(a) loans totaling $402.6M.
How many SBA loans has Heritage Bank of Commerce made?
Heritage Bank of Commerce is associated with 565 SBA 7(a) loans totaling $402.6M in the public SBA data (as of 2026-03-31).
What is Heritage Bank of Commerce's SBA charge-off rate?
About 3.0% of Heritage Bank of Commerce's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Heritage Bank of Commerce do most of its SBA lending?
Heritage Bank of Commerce's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is Heritage Bank of Commerce an SBA Preferred Lender (PLP)?
The loan record shows Heritage Bank of Commerce operating under PLP delegated authority: 416 of its 7(a) loans (73.6%) were processed through the Preferred Lenders Program, including 26 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Heritage Bank of Commerce SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/heritage-bank-of-commerce/
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