SBA lender profile
Heritage Bank of Commerce
Heritage Bank of Commerce appears in the public SBA loan data with 113 funded 7(a) loans totaling $89.0M, an average of $788K per loan, and an estimated 2,539 jobs supported. Its SBA lending concentrates in California and the Retail Trade sector. Across all of its loans in the data, its charge-off rate is 0.9%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
113
Total volume
$89.0M
Average loan size
$788K
Charge-off rate
0.9%
Share of funded loans charged off
Jobs supported (reported)
2,539
Programs
7(a)
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 | 112 | $87.6M |
| Nevada | 1 | $1.4M |
What Heritage Bank of Commerce funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 17 | $21.0M |
| Accommodation and Food Services | 19 | $18.6M |
| Professional and Technical Services | 14 | $11.6M |
| Construction | 16 | $9.7M |
| Health Care and Social Assistance | 13 | $8.0M |
| Other Services | 5 | $4.5M |
Heritage Bank of Commerce SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 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 |
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 of Commerce'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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