Call reports 2025
HERITAGE BANK OF COMMERCE — 2025
What HERITAGE BANK OF COMMERCE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 5,512,160,000 | 5,464,618,000 | 5,620,682,000 | 5,761,171,000 |
| Total loans | 3,488,782,000 | 3,535,489,000 | 3,583,003,000 | 3,654,382,000 |
| Allowance for loan losses | 48,262,000 | 48,633,000 | 49,427,000 | 49,999,000 |
| Securities available for sale | 370,976,000 | 307,034,000 | 408,456,000 | 592,958,000 |
| Securities held to maturity | 576,730,000 | 561,221,000 | 544,817,000 | 529,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,702,210,000 | 4,642,306,000 | 4,789,265,000 | 4,914,567,000 |
| Interest-bearing deposits | 3,554,675,000 | 3,476,091,000 | 3,534,943,000 | 3,594,349,000 |
| Noninterest-bearing deposits | 1,147,535,000 | 1,166,215,000 | 1,254,322,000 | 1,320,218,000 |
| Equity capital | 715,605,000 | 717,103,000 | 724,780,000 | 733,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 62,517,000 | 126,244,000 | 192,077,000 | 259,822,000 |
| Interest expense | 17,935,000 | 35,616,000 | 53,385,000 | 69,471,000 |
| Net interest income | 44,582,000 | 90,628,000 | 138,692,000 | 190,351,000 |
| Noninterest income | 2,012,000 | 4,286,000 | 6,764,000 | 9,265,000 |
| Noninterest expense | 28,312,000 | 65,421,000 | 93,448,000 | 123,343,000 |
| Provision for loan losses | 274,000 | 791,000 | 1,206,000 | 1,816,000 |
| Pretax income | 17,993,000 | 28,606,000 | 50,741,000 | 74,396,000 |
| Income tax | 5,183,000 | 8,212,000 | 14,541,000 | 21,882,000 |
| Net income | 12,810,000 | 20,394,000 | 36,200,000 | 52,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 547,101,000 | 547,248,000 | 555,621,000 | 564,489,000 |
| Total capital | 595,493,000 | 596,649,000 | 605,781,000 | 615,221,000 |
| Risk-weighted assets | 3,870,793,000 | 3,954,838,000 | 4,016,998,000 | 4,164,920,000 |