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Overview / Commentary
545 Twelfth Street
Paso Robles, CA 93446

Heritage Oaks Bank is headquartered in Paso Robles and is the 48th largest bank in the state of California. It is also the 554th largest bank in the nation. It was established in 1983 and as of December of 2013, it had grown to 228 employees at 12 locations. Heritage Oaks Bank has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Heritage Oaks Bank had $9.35 million in non-current loans and owned real-estate with $146.8 million in equity and loan loss allowances on hand to cover it. This gives Heritage Oaks Bank a Texas Ratio of 6.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Heritage Oaks Bank decreased dramatically from 9.94% as of December 31, 2012 to 6.37% as of December 31, 2013, resulting in a positive change of 35.92%.This indicates that the balance sheet and financial strength for Heritage Oaks Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Heritage Oaks Bank has increased its total deposits by $107.01 million, resulting in 12.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Heritage Oaks Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Heritage Oaks Bank has $1.2 billion in assets with $146.8 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

Institution Statistics

FDIC Certificate #24229
Year Established1983
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.20 billion
Loans$810.73 million
Deposits$978.60 million
Equity Capital$128.94 million
Loan Loss Allowance$17.86 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$0
Historic Data - December 2012
Assets$1.09 billion
Equity Capital$148.46 million
Loan Loss Allowance$18.12 million
Unbacked Noncurrent Loans$9.35 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.11%
Return on Assets1.07%
Return on Equity8.5%
Interest Income$45.38 million

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Heritage Oaks Bank Savings Account Rates

0.20%$100-Health Savings Account
0.15%$100-IRA Savings
0.10%$100-SIMPLE Savings

Heritage Oaks Bank Money Market Rates

0.30%$100k$10mSecure Money Market Promotion
0.30%$250k$10mPersonal Money Market Accounts
0.30%$250k$10mBusiness Money Market Accounts

Heritage Oaks Bank Checking Account Rates

0.10%$100k-Expect The Best Checking

Heritage Oaks Bank CD Rates

1.25%$1k-5 Year Simply Amazing CD
0.95%$1k-5 Year CDARS
0.90%$1k-4 Year Simply Amazing CD
0.80%$1k-3 Year Simply Amazing CD
0.70%$1k-3 Year CDARS
0.65%$1k-2 Year Simply Amazing CD
0.45%$1k-2 Year CDARS
0.40%$1k-Over 1 Year Simply Amazing CD
0.30%$1k-181 Day - 1 Year Simply Amazing CD
0.25%$1k-52 Week CDARS
0.20%$1k-91 - 180 Day Simply Amazing CD
0.15%$1k-30 - 90 Day Simply Amazing CD
0.15%$1k-26 Week CDARS
0.10%$1k-3 Month CDARS
0.08%$1k-4 Week CDARS

Heritage Oaks Bank IRA Rates

1.25%$1k-5 Year IRA
0.90%$1k-4 Year IRA
0.80%$1k-3 Year IRA
0.65%$1k-2 Year IRA
0.30%$1k-1 Year IRA
0.20%$1k-6 Month IRA

Heritage Oaks Bank has 12 locations. Click to view all Heritage Oaks Bank locations.