Heritage Bank Of Commerce: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #33905 · San Jose, CA. This institution (Heritage Bank Of Commerce) no longer appears in the current FDIC branch and deposit filings (#33905) that DLRadar scores; FDIC records the last Heritage Bank Of Commerce day as a separately insured institution (#33905) as April 17, 2026. FDIC event for Heritage Bank Of Commerce: Participated in Absorbtion/Consolidation/Merger (2026-04-17). DLRadar last scored Heritage Bank Of Commerce (#33905) on September 20, 2026. The Heritage Bank Of Commerce facts below are its last recorded footprint (#33905), kept as a permanent Heritage Bank Of Commerce public record; the Heritage Bank Of Commerce figures are not refreshed.
Heritage Bank Of Commerce (#33905) carried no scored branch footprint (Heritage Bank Of Commerce) in the FDIC filings DLRadar reads; the Heritage Bank Of Commerce record exists because FDIC certificate 33905 was a separately insured Heritage Bank Of Commerce institution in San Jose, CA, last seen by DLRadar (#33905) on September 20, 2026.
What the Heritage Bank Of Commerce (#33905) record holds: FDIC certificate 33905 for Heritage Bank Of Commerce, closed as a separate Heritage Bank Of Commerce charter on April 17, 2026; successor Citizens Business Bank NA (FDIC #21716) carries the Heritage Bank Of Commerce footprint forward; FDIC event for Heritage Bank Of Commerce: Participated in Absorbtion/Consolidation/Merger (2026-04-17); Heritage Bank Of Commerce (#33905) first entered DLRadar on September 20, 2026.
How Heritage Bank Of Commerce (#33905) was scored while active: the Heritage Bank Of Commerce stress score read FDIC call-report financials (#33905) and the Summary of Deposits branch file for Heritage Bank Of Commerce, mapped Heritage Bank Of Commerce branches to counties and ZIP codes (#33905), and weighted the Heritage Bank Of Commerce real-estate loan concentration against its peers; the Heritage Bank Of Commerce (#33905) figures on this page are the last such Heritage Bank Of Commerce run and are not refreshed.
Heritage Bank Of Commerce (#33905) net interest margin 3.91% against an eight-quarter Heritage Bank Of Commerce (#33905) average of 3.53% (Heritage Bank Of Commerce (#33905) compression -0.39 points); Heritage Bank Of Commerce (#33905) real-estate loans 3.1% of equity; Heritage Bank Of Commerce (#33905) non-residential real estate 0.1% of equity; Heritage Bank Of Commerce (#33905) rate-exposure score 40/100, Heritage Bank Of Commerce (#33905) fixed-rate trap 40/100; Heritage Bank Of Commerce (#33905) risk type credit driven; Heritage Bank Of Commerce (#33905) rate regime rates elevated; Heritage Bank Of Commerce (#33905) shares 0.8% below the 52-week high, Heritage Bank Of Commerce (#33905) equity trend stable, Heritage Bank Of Commerce (#33905) snapshot August 25, 2026.
Heritage Bank Of Commerce (#33905) stress score held at 79.4 across 65 daily snapshots, June 22, 2026 to August 25, 2026.
Heritage Bank Of Commerce (#33905) is chartered in San Jose, CA; FDIC lists Heritage Bank Of Commerce (#33905) as inactive, succeeded by Citizens Business Bank Na.
Why this Heritage Bank Of Commerce page exists: bank identities are historical data (#33905). When an institution such as Heritage Bank Of Commerce merges or its charter ends, DLRadar keeps the Heritage Bank Of Commerce profile so citations, links and the Heritage Bank Of Commerce score history stay resolvable (#33905), and points Heritage Bank Of Commerce to the successor where the FDIC records one. Every Heritage Bank Of Commerce figure traces to public FDIC data (#33905).