HERITAGE COMMERCE CORP

Heritage Commerce Corp operates as the holding company for Heritage Bank of Commerce, a regional bank providing commercial and retail banking services across California. The company's deposit products include interest and non-interest-bearing demand accounts, savings and money market accounts, certificates of deposit, and time deposits. On the lending side, Heritage offers commercial loans for working capital and equipment purchases, commercial real estate financing, small business administration loans, home equity lines of credit, multifamily residential loans, residential mortgages, and consumer loans for automobiles and other personal purposes.

The bank also provides a range of ancillary banking services including cashier's checks, night depositories, safe deposit boxes, direct deposit, automated payroll processing, online bill pay, electronic funds transfer, remote deposit capture, and check imaging. Additional service offerings encompass factoring financing and electronic banking capabilities such as automated clearing house origination and electronic data interchange.

Founded in 1994 and headquartered in San Jose, Heritage Commerce maintains a regional presence focused on California's business and professional communities. The company operates as a state commercial bank incorporated in California and listed on the Nasdaq exchange, with a market capitalization of approximately $0.8 billion.