Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
545 Twelfth Street
Paso Robles, CA 93446

Heritage Oaks Bank is headquartered in Paso Robles and is the 40th largest bank in the state of California. It is also the 423rd largest bank in the nation. It was established in 1983 and as of March of 2014, it had grown to 313 employees at 20 locations. Heritage Oaks Bank has a A+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Heritage Oaks Bank had $9.14 million in non-current loans and owned real-estate with $210.74 million in equity and loan loss allowances on hand to cover it. This gives Heritage Oaks Bank a Texas Ratio of 4.34% 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 6.64% as of March 31, 2013 to 4.34% as of March 31, 2014, resulting in a positive change of 34.68%.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 $508.52 million, resulting in 58.89% 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 $1.66 billion in assets with $210.74 million in equity, resulting in a capitalization level of 12.69%, which is excellent.

Institution Statistics

FDIC Certificate #24229
Year Established1983
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.66 billion
Loans$1.10 billion
Deposits$1.37 billion
Equity Capital$192.77 million
Loan Loss Allowance$17.97 million
Unbacked Noncurrent Loans$8.82 million
Real Estate Owned$313,000
Historic Data - March 2013
Assets$1.06 billion
Equity Capital$149.70 million
Loan Loss Allowance$17.74 million
Unbacked Noncurrent Loans$8.82 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.85%
Return on Assets-0.44%
Return on Equity-3.87%
Interest Income$13.60 million

Always verify rates and promotions with the bank or credit union. We are not Heritage Oaks Bank, we are a rate comparison website and can not provide official rates or promotions.

Heritage Oaks Bank Savings Account Rates

0.20%$100-Health Savings Account
0.15%$100-IRA Savings
0.10%$100-SIMPLE Savings
0.10%$100-SIMPLE Business Savings
0.10%$100-Simply Amazing Student
0.10%$100-Public Fund Savings

Heritage Oaks Bank Money Market Rates

0.30%$1m-Secure Money Market Promotion
0.25%$250k$10mBusiness Money Market Accounts
0.25%$250k-Public Fund Money Market
0.25%$250k$10mClassic Money Market Accounts

Heritage Oaks Bank Checking Account Rates

0.25%$250k-Business Interest Checking
0.20%$50k-Public Fund Interest Checking
0.10%$100k-Personal Interest Checking

Heritage Oaks Bank CD Rates

1.25%$1k-60 Month Simply Amazing CD
1.01%$1k-5 Year CDARS
0.90%$1k-48 - 59 Month Simply Amazing CD
0.80%$1k-36 - 47 Month Simply Amazing CD
0.75%$1k-3 Year CDARS
0.65%$1k-24 - 35 Month Simply Amazing CD
0.50%$1k-2 Year CDARS
0.40%$1k-12 - 23 Month 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
0.11%$1k-13 Week CDARS
0.10%$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.