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Overview / Commentary
805-369-5200
1222 Vine 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 406th largest bank in the nation. It was established in 1983 and as of March of 2017, it had grown to 273 employees at 12 locations. Heritage Oaks Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #24229
Year Established1983
Employees273
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.57%
Return on Equity - YTD5.35%
Annual Interest Income$17.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$2.03B$1.91B
LoansQ1 2017vs Q1 2016$1.37B$1.28B
DepositsQ1 2017vs Q1 2016$1.67B$1.59B
Equity CapitalQ1 2017vs Q1 2016$219.3MM$204.6MM
Loan Loss AllowanceQ1 2017vs Q1 2016$17.2MM$17.6MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$7.3MM$7.5MM
Real Estate OwnedQ1 2017vs Q1 2016$0$111.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Oaks Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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%$1k-Public Fund Savings

Heritage Oaks Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Secure Money Market Promotion
OTHER TIERS: 0.20% Up to $250k
0.25%*$500k*$10mBusiness Money Market Accounts
OTHER TIERS: 0.10% $2,500 - $50k | 0.20% $50k - $500k
0.25%*$500k*-Public Fund Money Market
OTHER TIERS: 0.10% $2,500 - $250k | 0.20% $250k - $500k
0.25%*$500k*$10mClassic Money Market Accounts
OTHER TIERS: 0.10% $2,500 - $50k | 0.20% $50k - $500k

Heritage Oaks Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Business Interest Checking
OTHER TIERS: 0.05% $25k - $250k
0.20%*$50k*-Public Fund Interest Checking
OTHER TIERS: 0.05% $2,500 - $50k
0.10%*$100k*-Personal Interest Checking
OTHER TIERS: 0.03% Up to $10k | 0.05% $10k - $100k

Heritage Oaks Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-60 Month Simply Amazing CD
1.13%$1k-5 Year CDARS
0.90%$1k-48 - 59 Month Simply Amazing CD
0.80%$1k-36 - 47 Month Simply Amazing CD
0.79%$1k-3 Year CDARS
0.65%$1k-24 - 35 Month Simply Amazing CD
0.60%$1k-2 Year CDARS
0.35%$1k-12 - 23 Month Simply Amazing CD
0.34%$1k-52 Week CDARS
0.25%$1k-181 Day - 1 Year Simply Amazing CD
0.24%$1k-26 Week CDARS
0.20%$1k-91 - 180 Day Simply Amazing CD
0.19%$1k-13 Week CDARS
0.15%$1k-30 - 90 Day Simply Amazing CD
0.14%$1k-4 Week CDARS

Heritage Oaks Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Months IRA
Locations

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