Vitals
  • Total Assets
    2.0B 6.6 %
  • Total Deposits
    1.7B 7.3 %
  • Total Net Loans
    1.4B 11.2 %
  • Net Income
    17.7M 11.5 %
  • Book Value
    214.9M 2.9 %
  • Book Value x2
    429.8M 2.9 %
  • Book Value x3
    644.6M 2.9 %
ROAA

.911

ROAE

8.388

Efficiency Ratio

63.857

Net Interest Margin

3.724

Balance Sheet Highlights
Financial Highlights Heritage Oaks Bank All Insured Commercial Banks in California
Balance Sheet $(000)
Total Assets 2,023,659 1,346,313
Total Net Loans 1,377,097 907,793
Total Deposits 1,691,371 1,084,972
Total Equity 214,875 169,778
Profitability
Net Income 17,724 12,577
Return on Average Assets .911 .955
Return on Average Equity 8.388 8.072
Net Interest Margin 3.724 3.784
Efficiency Ratio 63.857 64.937
Noninterest Income/Revenue 13.23 13.682
Balance Sheet Ratios
Loan-to-Deposit 81.419 83.983
Securities/Assets .227 .141
Total Equity/Total Assets .106 .126
Tangible Equity/Tangible Assets .092 .113
Capital Adequacy
Tier 1 Common Capital 186,239 147,337
Tier 1 Capital 186,239 147,552
Tier 2 Capital 17,747 11,893
Total Capital 203,986 160,236
Total Risk Weighted Assets 1,528,153 1,009,488
Leverage Ratio 9.47 11.256
Common Equity Tier 1 Capital Ratio 12.19 14.697
Tier 1 Capital Ratio 12.19 14.792
Total Capital Ratio 13.35 16.005

Timeline for Heritage Oaks Bank

Mission Community Bank

Acquisition: Heritage Oaks Bank acquired a new subsidiary, Mission Community Bank, 10 years

View Profile Mar 01 2014

Business First National Bank

Acquisition: Heritage Oaks Bank acquired a new subsidiary, Business First National Bank, 16 years

View Profile Oct 13 2007

Hacienda Bank

Acquisition: Heritage Oaks Bank acquired a new subsidiary, Hacienda Bank, 19 years

View Profile Jun 29 2004

Heritage Oaks Bancorp

Heritage Oaks Bancorp became a new parent organization for Heritage Oaks Bank.

View Profile Nov 16 1994

Heritage Oaks Bank

Heritage Oaks Bank was established 41 years ago and is currently headquartered in Paso Robles, CA.

Jan 19 1983
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Mission Community Bank Seller 432,406 Acquisition Discontinued 3/1/2014
Business First National Bank Seller 145,922 Acquisition Discontinued 10/13/2007
Hacienda Bank Seller 88,830 Pooling of Interests Discontinued 6/29/2004
Relationships Role Relationship Start Relationship End
Heritage Oaks Bancorp Parent 11/16/1994
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