Heritage Bank of Commerce in San Jose, CA

Heritage Bank of Commerce is a regional bank founded by businesspeople for businesspeople, operating as a subsidiary of Heritage Commerce Corp (NASDAQ: HTBK). The bank is headquartered in San Jose, California, and serves the Bay Area with a focus on small to mid-sized businesses and their owners. S.

Government. The bank offers a comprehensive suite of financial products and services including business and personal lending solutions, deposit accounts, digital banking platforms, treasury management, lockbox solutions, and specialty services for homeowners associations, nonprofit organizations, and dental and veterinary practices. They emphasize high-touch, consultative service with personalized banking relationships rather than a transactional model.

Heritage Bank distinguishes itself through industry-specific expertise, particularly in serving niche markets like HOA management, nonprofits, and professional practices. The bank has been recognized by Forbes as one of America's best banks in 2026 and maintains a strong community investment focus, supporting local organizations like the Indian Health Center of Santa Clara Valley and AchieveKids. Their leadership team actively engages in business community relationships.

The bank is undergoing a merger with Citizens Business Bank, as announced on their website. For consumers seeking traditional banking with personalized service in the Bay Area, Heritage Bank offers solid fundamentals, but availability may be limited to regional presence, and recent merger activity may create transition uncertainty. Consumers should verify current account options and service continuity during the merger process.