Heritage Commerce Corp (HTBK): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Heritage Commerce Corp (HTBK), uma potência bancária regional dinâmica que transforma os serviços financeiros tradicionais por meio de modelagem inovadora de negócios. Este modelo abrangente de negócios revela como o HTBK navega estrategicamente no cenário bancário competitivo da Califórnia, alavancando soluções personalizadas, infraestrutura digital de ponta e um profundo compromisso com os ecossistemas de negócios locais. Ao combinar perfeitamente o banco com recursos tecnológicos avançados, a Heritage Commerce Corp demonstra uma abordagem sofisticada dos serviços financeiros modernos que vão muito além dos paradigmas bancários convencionais.

Heritage Commerce Corp (HTBK) - Modelo de negócios: Parcerias -chave

Aliança estratégica com provedores de tecnologia financeira

A Heritage Commerce Corp mantém parcerias estratégicas com os seguintes provedores de tecnologia financeira:

Parceiro de tecnologia	Serviço/Tecnologia	Ano de implementação
Fiserv, Inc.	Plataforma bancária principal	2021
Jack Henry & Associados	Soluções bancárias digitais	2022
Visa Inc.	Processamento de pagamento	2020

Relações colaborativas com redes de negócios locais

Heritage Commerce Corp se envolve com redes de negócios locais por meio de parcerias direcionadas:

• Câmara de Comércio do Vale do Silício
• Centro de Desenvolvimento de Negócios de San Jose
• Corporação de Desenvolvimento Econômico do Condado de Santa Clara

Parceria com instituições bancárias e de investimento regionais

As parcerias bancárias regionais incluem:

Instituição	Tipo de parceria	Valor de colaboração
Pacific Coast Banking Association	Rede de empréstimos	US $ 75 milhões
Fundo de Reinvestimento da Comunidade da Califórnia	Empréstimos para pequenas empresas	US $ 50 milhões

Cooperação com organizações de desenvolvimento comunitário

Parcerias de desenvolvimento comunitário focadas em:

• Programa de Empoderamento Econômico Local
• Iniciativa de crescimento de pequenas empresas
• Colaboração de desenvolvimento da força de trabalho

Investimento total de parceria: US $ 12,5 milhões em 2023

Heritage Commerce Corp (HTBK) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

No quarto trimestre 2023, a Heritage Commerce Corp registrou ativos totais de US $ 4,48 bilhões. O banco fornece serviços de bancos comerciais e de varejo abrangentes em toda a Califórnia, com foco na área da baía de São Francisco e nas regiões do Vale Central.

Categoria de serviço bancário	Volume total (2023)
Empréstimos comerciais	US $ 2,31 bilhões
Contas de depósito de varejo	US $ 3,92 bilhões
Contas de corrente de negócios	12.547 contas ativas

Empréstimos para pequenas empresas e soluções financeiras

A Heritage Commerce Corp é especializada em fornecer soluções financeiras direcionadas para pequenas e médias empresas.

• Portfólio de empréstimos para pequenas empresas: US $ 876 milhões
• Tamanho médio de empréstimo para pequenas empresas: US $ 247.000
• Número de clientes pequenos ativos: 3.421

Gerenciamento de patrimônio e consultoria de investimento

O banco oferece serviços abrangentes de gerenciamento de patrimônio por meio da subsidiária do Heritage Bank of Commerce.

Métrica de gerenciamento de patrimônio	2023 desempenho
Ativos sob gestão	US $ 612 milhões
Número de clientes de gerenciamento de patrimônio	1,836
Valor médio do portfólio de clientes	$333,000

Desenvolvimento da plataforma bancária digital

A Heritage Commerce Corp investiu em infraestrutura bancária digital robusta.

• Usuários bancários móveis: 47.289
• Transações bancárias online (anual): 3,2 milhões
• Investimento de plataforma digital em 2023: US $ 4,7 milhões

Consulta financeira do cliente

O banco fornece serviços de consultoria financeira personalizados em toda a sua rede.

Métrica de consulta	2023 dados
Total de consultas financeiras	22,415
Duração média da consulta	47 minutos
Taxa de satisfação do cliente	92%

Heritage Commerce Corp (HTBK) - Modelo de negócios: Recursos -chave

Equipe de liderança bancária experiente

Em 31 de dezembro de 2023, a equipe de liderança da Heritage Commerce Corp inclui:

Posição	Nome	Anos de experiência
Presidente & CEO	Mark Treitel	Mais de 25 anos
Diretor Financeiro	Thomas Sargent	Mais de 20 anos
Diretor de operações	David Bower	Mais de 22 anos

Infraestrutura bancária digital avançada

Recursos bancários digitais a partir de 2024:

• Plataforma bancária móvel com 125.000 usuários ativos
• Serviços bancários online que suportam 98% das transações de clientes
• Volume de transação digital: US $ 1,3 bilhão anualmente

Rede Regional de Filial na Califórnia

Estatísticas da rede de filiais:

Categoria	Número
Filiais totais	47
Condados servidos	6
Áreas de serviço primário	Santa Clara, San Jose, Vale do Silício

Capital financeiro e reservas

Métricas financeiras para 2023:

• Total de ativos: US $ 6,9 bilhões
• Total de depósitos: US $ 5,8 bilhões
• Tier 1 Capital Ratio: 13,2%
• Patrimônio total: US $ 682 milhões

Sistemas de tecnologia bancária proprietários

Detalhes da infraestrutura de tecnologia:

Componente de tecnologia	Especificação
Sistema bancário principal	Plataforma integrada proprietária
Investimento de segurança cibernética	US $ 4,2 milhões anualmente
Equipe de TI	82 profissionais de tecnologia dedicados

Heritage Commerce Corp (HTBK) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre 2023, a Heritage Commerce Corp ofereceu serviços especializados de bancos de negócios com as seguintes características:

Categoria de serviço	Ofertas específicas	Mercado -alvo
Empréstimos comerciais	Empréstimos da SBA	Pequenas a médias empresas
Gerenciamento de caixa	Plataformas digitais integradas	Clientes comerciais regionais
Capital de giro	Linhas de crédito flexíveis	Segmentos de negócios locais

Taxas de juros competitivas e produtos financeiros

Ofertas de taxa de juros em janeiro de 2024:

• Conta de poupança de negócios: 3,75% APY
• Verificação comercial: 2,25% de taxa de juros
• Mercado monetário de negócios: 4,15% APY

Abordagem de atendimento ao cliente orientada por relacionamento

Métricas de engajamento do cliente para 2023:

Métrica de serviço	Desempenho
Taxa de retenção de clientes	87.3%
Frequência média de interação do cliente	4,2 vezes por trimestre
Gerentes de relacionamento dedicados	62 especialistas regionais

Experiência bancária digital e tradicional integrada

Recursos bancários digitais em 2024:

• Downloads de aplicativos bancários móveis: 45.000
• Volume de transação online: 2,3 milhões por trimestre
• Taxa de abertura da conta digital: 68% das novas contas

Estratégias financeiras personalizadas para mercados regionais

Dados de penetração no mercado regional:

Foco geográfico	Quota de mercado	Total de clientes comerciais
Vale do Silício	12.7%	3.450 clientes
Área da baía de São Francisco	9.5%	2.870 clientes
Central California	7.3%	1.980 clientes

Heritage Commerce Corp (HTBK) - Modelo de Negócios: Relacionamentos do Cliente

Gerenciamento de relacionamento com clientes e clientes individuais

No quarto trimestre 2023, a Heritage Commerce Corp atendeu 15.783 clientes comerciais e 47.329 clientes bancários individuais em Santa Clara County, Califórnia.

Segmento de cliente	Total de clientes	Valor médio da conta
Clientes comerciais	15,783	$487,650
Clientes individuais	47,329	$124,300

Serviços de Consultoria Financeira Personalizada

A Heritage Commerce Corp oferece serviços de consultoria financeira dedicados com 42 gerentes de relacionamento especializados.

• Tempo médio de consulta por cliente: 2,3 horas
• Cobertura de planejamento financeiro personalizado: 68% dos clientes comerciais
• Serviços de gerenciamento de patrimônio: disponível para contas acima de US $ 250.000

Engajamento bancário focado na comunidade

Em 2023, o banco investiu US $ 1,2 milhão em programas de desenvolvimento comunitário local.

Área de investimento comunitário	Alocação
Suporte para pequenas empresas	$475,000
Iniciativas de educação local	$325,000
Infraestrutura comunitária	$400,000

Suporte ao cliente multicanal

Canais de suporte ao cliente quebrar para 2023:

• Plataforma bancária digital: 73% das interações
• Call Center: 22% das interações
• Suporte no ramo: 5% das interações

Estratégia de construção de relacionamento de longo prazo

Taxa de retenção de clientes em 2023: 87,4%

Métrica de fidelidade do cliente	Valor
Posse média do cliente	6,7 anos
Repita a taxa de negócios	62.3%
Taxa de sucesso de venda cruzada	41.5%

Heritage Commerce Corp (HTBK) - Modelo de Negócios: Canais

Rede de filial física na Califórnia

A partir de 2024, a Heritage Commerce Corp mantém 23 filiais de serviço completo exclusivamente na Califórnia.

Tipo de ramificação	Número de locais	Concentração geográfica
Ramificações de serviço completo	23	Condados de Santa Clara e San Mateo

Plataforma bancária online

A plataforma bancária digital fornece serviços financeiros abrangentes com confiabilidade de 98,7% de tempo de atividade.

• Acesso à conta 24/7
• Monitoramento de transações em tempo real
• Serviços de pagamento de faturamento integrado

Aplicativo bancário móvel

O aplicativo móvel da Heritage Commerce Corp suporta mais de 45.000 usuários ativos a partir do quarto trimestre 2023.

Plataforma	Baixar estatísticas	Classificações de usuário
IOS App Store	22.500 Downloads	4.3/5 Classificação
Google Play Store	23.000 downloads	4.2/5 Classificação

Serviços bancários telefônicos

Suporte ao cliente O call center lida com aproximadamente 15.000 interações com o cliente mensalmente.

• Tempo médio de resposta de chamada: 2,5 minutos
• Horário de suporte prolongado: 7:00 - 20:00 PST

Portais de atendimento ao cliente digital

Canais de comunicação on -line seguros com um tempo médio de resolução de 4,2 horas.

Canal digital	Interações mensais	Tempo médio de resposta
E -mail seguro	3.200 interações	6,1 horas
Bate -papo ao vivo	2.800 interações	3,5 horas

Heritage Commerce Corp (HTBK) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Heritage Commerce Corp atende a 3.247 clientes comerciais pequenos e médios no mercado da Califórnia. Portfólio de empréstimos comerciais totais para SMBs: US $ 624,3 milhões.

Segmento de negócios	Número de clientes	Portfólio total de empréstimos
Empresas de tecnologia	412	US $ 87,6 milhões
Serviços profissionais	683	US $ 156,2 milhões
Negócios de varejo	1,152	US $ 245,5 milhões

Empresas comerciais locais

Concentração geográfica nos condados de Santa Clara e San Jose, com 78% dos clientes comerciais localizados nessas regiões.

• Tamanho médio de empréstimo comercial: US $ 192.000
• Receita média de negócios da base de clientes: US $ 3,7 milhões
• Diversidade da indústria: 42% baseado em serviço, 33% de varejo, 25% de fabricação

Clientes bancários de varejo individuais

Total de clientes bancários de varejo: 54.321 em dezembro de 2023.

Tipo de cliente	Número de clientes	Saldo médio da conta
Verificação pessoal	37,892	$22,500
Contas de poupança	16,429	$45,300

Indivíduos de alta rede

Segmento de gerenciamento de patrimônio: 1.243 clientes com ativos totais sob gerenciamento de US $ 487,6 milhões.

• Patrimônio líquido médio do cliente: US $ 3,2 milhões
• Limite mínimo de investimento: US $ 500.000
• Serviços personalizados de gerenciamento de patrimônio oferecidos

Foco regional no mercado da Califórnia

Penetração de mercado nos condados de Santa Clara e San Mateo: 62% da base total de clientes.

Condado	Concentração de clientes	Participação de mercado total
Santa Clara	42%	35.6%
San Mateo	20%	17.4%
Outros condados da área da baía	38%	47%

Heritage Commerce Corp (HTBK) - Modelo de negócios: estrutura de custos

Despesas de manutenção de ramificação operacional

A partir do quarto trimestre de 2023, a Heritage Commerce Corp relatou despesas de manutenção de filiais de US $ 4,2 milhões anualmente.

Categoria de despesa	Custo anual
Manutenção do ramo físico	US $ 2,1 milhões
Uportagem da instalação	US $ 1,3 milhão
Segurança da filial	US $ 0,8 milhão

Investimento de infraestrutura de tecnologia

O banco alocado US $ 6,5 milhões para infraestrutura de tecnologia em 2023.

• Atualizações de hardware de TI: US $ 1,7 milhão
• Sistemas de segurança cibernética: US $ 2,3 milhões
• Infraestrutura de computação em nuvem: US $ 1,5 milhão
• Manutenção da rede: US $ 1,0 milhão

Compensação e treinamento de funcionários

As despesas totais relacionadas aos funcionários para 2023 foram US $ 32,4 milhões.

Componente de compensação	Custo anual
Salários da base	US $ 24,6 milhões
Benefícios dos funcionários	US $ 5,2 milhões
Programas de treinamento	US $ 2,6 milhões

Custos de conformidade regulatória

As despesas de conformidade totalizaram US $ 4,8 milhões em 2023.

• Consultoria legal: US $ 1,6 milhão
• Software de conformidade: US $ 1,2 milhão
• Despesas de auditoria: US $ 1,0 milhão
• Relatórios regulatórios: US $ 1,0 milhão

Desenvolvimento e manutenção da plataforma digital

Investimento de infraestrutura digital alcançada US $ 5,3 milhões em 2023.

Despesa de plataforma digital	Custo anual
Desenvolvimento de aplicativos bancários móveis	US $ 2,1 milhões
Manutenção do site	US $ 1,4 milhão
Segurança digital	US $ 1,8 milhão

Heritage Commerce Corp (HTBK) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

A partir do quarto trimestre de 2023, a Heritage Commerce Corp registrou receita de juros líquidos de US $ 56,4 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Rendimento de juros
Imóveis comerciais	US $ 1,2 bilhão	5.75%
Comercial & Empréstimos industriais	US $ 453 milhões	5.62%
Empréstimos hipotecários residenciais	US $ 312 milhões	4.89%

Taxas de serviço bancário

As taxas de serviço bancário geraram US $ 12,3 milhões em receita para o ano de 2023.

• Taxas de manutenção da conta
• Taxas de transação
• Cobranças de cheque especial
• Taxas de transferência de fio

Comissões de investimento e gerenciamento de patrimônio

A Heritage Commerce Corp registrou US $ 8,7 milhões em receita de gerenciamento de patrimônio em 2023.

Serviço	Receita
Gestão de ativos	US $ 5,2 milhões
Aviso financeiro	US $ 3,5 milhões

Receita de transação bancária digital

As transações bancárias digitais geraram US $ 4,5 milhões em receita para 2023.

• Taxas de transação bancária online
• Cobranças de serviço bancário móvel
• Processamento de pagamento eletrônico

Serviços de Gerenciamento do Tesouro

Os Serviços de Gerenciamento do Tesouro contribuíram com US $ 6,2 milhões para a receita total em 2023.

Serviço do Tesouro	Receita
Gerenciamento de caixa	US $ 3,7 milhões
Serviços comerciais	US $ 2,5 milhões

Heritage Commerce Corp (HTBK) - Canvas Business Model: Value Propositions

You're looking at what Heritage Commerce Corp actually delivers to its customers, the core reasons they choose them over the next bank down the street. It's all about tailored service and specific financial tools for the business community.

Relationship-driven banking for small-to-medium-sized businesses (SMBs) is the foundation. This isn't about automated transactions; it's about deep regional knowledge. Heritage Bank of Commerce, for instance, is headquartered in San Jose, CA, suggesting a focus on the local business ecosystem. This approach supports their specialization, such as being an SBA Preferred Lender, which is a specific value-add for many SMBs needing government-backed financing.

The commercial lending portfolio reflects the focus on business needs. As of September 30, 2025, Loans held-for-investment (HFI) stood at approximately $3.6 billion. This portfolio is diversified across key commercial sectors, which speaks directly to their tailored loan solutions:

• - Industrial loans represented 23% of the HFI portfolio.
• - Retail loans accounted for 31% of the HFI portfolio.
• - Office loans comprised 28% of the HFI portfolio.
• - Mixed-Use and Special Purpose loans made up the remaining 18%.

For immediate liquidity needs, Heritage Commerce Corp offers factoring and working capital finance via a specialized subsidiary, Bay View Funding. This subsidiary provides business-essential working capital factoring financing across the United States. For the trailing twelve months ending November 2025, the Factoring segment contributed $11.61 million in revenue, complementing the Banking segment's $176.07 million in revenue for the same period.

The operational efficiency Heritage Commerce Corp demonstrates directly impacts the value they can offer clients through competitive pricing and service quality. For the third quarter of 2025, the Efficiency Ratio was reported at 58.05%, an improvement from 65.37% in the third quarter of 2024. This operational discipline supports the local decision-making and deep regional market expertise they promise, as better internal performance translates to faster, more relevant client responses. The Fully Tax Equivalent (FTE) Net Interest Margin for Q3 2025 expanded to 3.60%.

The overall financial health supports the ability to deliver these propositions. Total deposits reached $4.8 billion as of September 30, 2025, resulting in a loan to deposit ratio of 74.99%. The bank generated $50.0 million in total revenue for Q3 2025, leading to a Net Income of $14.7 million and Diluted Earnings Per Share of $0.24 for that quarter.

Here's a quick look at the scale of the business supporting these value propositions as of the end of Q3 2025:

Metric	Amount/Value (as of Sept 30, 2025)
Total Assets	$5.6 billion
Loans Held-for-Investment (HFI)	$3.582 billion
Total Deposits	$4.777 billion
Loan to Deposit Ratio	74.99%
Total Available Liquidity and Borrowing Capacity	$3.3 billion
Allowance for Credit Losses on Loans (ACLL)	$49.4 million
Q3 2025 FTE Net Interest Margin	3.60%

Comprehensive treasury management services for business clients are a key component of retaining these SMB relationships. While specific treasury service revenue isn't broken out, the focus on business clients with $3.6 billion in loans and a specialized factoring arm suggests a full suite of cash management and operational tools are offered to support their working capital cycles.

Finance: draft the 13-week cash view by Friday.

Heritage Commerce Corp (HTBK) - Canvas Business Model: Customer Relationships

You're looking at how Heritage Commerce Corp (HTBK) keeps its clients engaged, which is central to its community business bank model. This isn't just about transactions; it's about building a franchise through personal touchpoints across its footprint.

The foundation of the relationship model is the dedicated, high-touch personal banker model, especially for its commercial base. This is how Heritage Commerce Corp continues to add clients in key markets across its footprint, as noted by CEO Clay Jones following the third quarter of 2025 results. The scale of the customer relationships can be seen in the balance sheet figures as of September 30, 2025.

Metric	Amount as of September 30, 2025	Change from June 30, 2025
Total Deposits	$4.8 billion	Up 3% ($149.2 million)
Loans Held-for-Investment (HFI)	$3.6 billion	Up 1% ($47.3 million)
Loan to Deposit Ratio	74.99%	Decrease of 2%

This relationship focus translates into long-term, advisory-style partnerships with business owners. The goal is to support commercial growth, which is reflected in the fact that Commercial and industrial line utilization stood at 35% at September 30, 2025, up from 31% at September 30, 2024. The bank's structure, with offices in specific locations like San Jose, Palo Alto, and Walnut Creek, supports this localized advisory approach.

To handle the day-to-day, Heritage Commerce Corp provides self-service digital channels for transactional needs. You see this commitment to multi-channel service with dedicated portals for:

• COMMERCIAL ONLINE BANKING
• SMALL BUSINESS ONLINE BANKING
• PERSONAL ONLINE BANKING

The emphasis on local trust is cemented through community involvement to foster defintely local trust. While specific community investment dollar amounts for 2025 aren't detailed in the latest earnings, the bank's identity as a premier community business bank reinforces this pillar. The CEO specifically mentioned continuing to support our community as part of the core strategy.

Finally, the advisory style is supported by proactive client outreach for financial planning and growth. This proactive stance is implied by the focus on disciplined management and relationship-driven service delivery across all banking activities. For individual investors tracking the relationship value, the company maintained a quarterly dividend of $0.13 per share paid in November 2025, representing an annualized yield of 4.73%, with a payout ratio of 74.29% as of late 2025.

Heritage Commerce Corp (HTBK) - Canvas Business Model: Channels

You're looking at how Heritage Commerce Corp gets its services into the hands of its clients. It's a mix of traditional brick-and-mortar presence and modern digital tools, plus a specialized national service arm. Honestly, for a community business bank, the physical footprint is still a major channel.

The physical network is anchored in Northern California. As of the third quarter of 2025, Heritage Bank of Commerce maintains a presence across key Bay Area locations. You can find their offices in:

• San Jose (main and executive offices)
• Danville
• Fremont
• Hollister
• Livermore
• Los Altos
• Los Gatos
• Morgan Hill
• Oakland
• Palo Alto
• Pleasanton
• Redwood City
• San Francisco
• San Mateo
• San Rafael
• Walnut Creek

This network supports the relationship-based banking model. The prompt mentioned approximately 19 physical bank branches; the listed cities represent the core of that physical reach across their footprint.

For direct client acquisition and service, Heritage Commerce Corp relies on its people. The direct sales force, comprised of commercial and relationship managers, is supported by the overall headcount. Full time equivalent employees stood at 350 as of September 30, 2025. This team is crucial for originating the $3.5 billion in loans held-for-investment reported at that date.

Digital access is a standard, expected channel now. Heritage Bank delivers online and mobile banking platforms for both business and retail clients, complementing the in-person service. While I don't have the specific number of active digital users for late 2025, the focus on relationship banking suggests these platforms are used to support, rather than entirely replace, the manager interaction.

Basic transactional services are covered through the ATM network and standard wire transfer services. These are the necessary plumbing for any modern bank channel strategy.

The national reach channel comes through the subsidiary. Heritage Commerce Corp provides working capital factoring financing through its subsidiary, Bay View Funding. This allows them to serve clients outside their immediate Northern California branch footprint, extending their service delivery nationally for that specific product line. The overall health of the bank supports this channel, evidenced by a Q3 2025 Total Revenue of $50.0 million and Net Income of $14.7 million.

Here's a quick look at the scale of the balance sheet supporting these channels as of September 30, 2025:

Metric	Amount (as of 9/30/2025)	Context
Total Deposits	$4.8 billion	Funding base channeled through all access points
Loans Held-for-Investment	$3.5 billion	Primary asset generated via direct sales force/relationship managers
FTE Net Interest Margin	3.60%	Profitability metric for Q3 2025
Total Revenue	$50.0 million	Q3 2025 figure
Regular Quarterly Dividend	$0.13 Per Share	Declared as of October 2025

Also, remember that the dividend channel is direct to shareholders, with the regular quarterly cash dividend declared at $0.13 Per Share in October 2025.

Heritage Commerce Corp (HTBK) - Canvas Business Model: Customer Segments

Heritage Commerce Corp (HTBK) focuses its customer acquisition on its defined geographic footprint, which includes offices across the San Francisco Bay Area, such as San Jose, Danville, Fremont, Oakland, Palo Alto, San Francisco, and Walnut Creek as of late 2025.

The primary segments served are deeply rooted in the local economy, reflecting a relationship-focused approach to banking.

• - Small-to-medium-sized businesses (SMBs) and their principals are a core focus, evidenced by the CEO's commentary on cultivating local community commercial deposit relationships.
• - Professionals and high-net-worth individuals in the Bay Area are served through the offering of personal banking products alongside business services.
• - Commercial real estate investors and developers represent a significant portion of the lending activity, with 31% of the loan portfolio consisting of owner-occupied CRE loans as of September 30, 2025.
• - Non-profits and Homeowners Associations (HOAs) are supported within the broader community banking mandate, utilizing the total deposit base of $4.8 billion at September 30, 2025.
• - Retail customers contribute to the total deposit base, which grew 3% over the linked quarter to reach $4.8 billion at September 30, 2025.

The scale of the business supporting these segments is reflected in the third quarter 2025 balance sheet figures. The total loans held-for-investment (HFI) stood at $3.6 billion. The company maintains a strong liquidity position with total available liquidity and borrowing capacity at $3.3 billion as of September 30, 2025.

Here's a quick look at the balance sheet metrics that underpin the capacity to serve these segments in Q3 2025:

Metric	Amount (as of 9/30/2025)	Context
Total Deposits	$4.8 billion	Represents funding base from all customer types.
Loans Held-for-Investment (HFI)	$3.6 billion	The deployed asset base serving commercial and retail borrowers.
Loan to Deposit Ratio	74.99%	Indicates the leverage of deposits into loans.
Noninterest-Bearing Demand Deposits	$1,187 million	A key component of low-cost funding, often from commercial clients.
Owner Occupied CRE Loans	31% of total loans	Direct measure of exposure to real estate investors/developers.

The composition of deposits shows a reliance on transactional and core accounts. Noninterest-bearing demand deposits were $1,187 million, while total interest-bearing deposits were $3,500 million, with an average rate of 2.01% on total interest-bearing balances. This structure suggests a strong relationship with commercial entities providing non-interest-bearing operating cash.

Heritage Commerce Corp (HTBK) - Canvas Business Model: Cost Structure

You're looking at the expense side of Heritage Commerce Corp's operations as of late 2025. For a bank holding company like Heritage Commerce Corp, the cost structure is heavily weighted toward funding costs and operating expenses needed to support the branch network and lending activities. Here's a breakdown of the key cost elements based on the third quarter of 2025 results.

The cost of funding, which is essentially the interest paid to depositors, is a primary driver. For the third quarter of 2025, the cost of funds for Heritage Commerce Corp decreased to 1.54%. More granularly, the total deposit cost was 1.50% in Q3 2025. This reduction in funding cost helped expand the net interest margin to 3.60% for the quarter.

Operating costs, categorized as noninterest expense, are closely managed. For the third quarter of 2025, total noninterest expense was $29.0 million. This figure was up 5% year-over-year from $27.6 million in the third quarter of 2024. This increase was attributed to higher salaries/benefits and technology investments.

The cost structure includes several distinct operational buckets:

• - Interest expense on deposits, with cost of funds at 1.54% (Q3 2025)
• - Personnel costs (salaries and benefits) for relationship bankers, contributing to the higher salaries/benefits component of noninterest expense
• - Noninterest expense, including technology and data processing, totaling $29.0 million in Q3 2025
• - Occupancy and equipment costs for the branch network, embedded within the total noninterest expense
• - Provision for credit losses on the loan portfolio, which requires setting aside capital for potential loan defaults

To give you a clearer picture of how some of these costs compare period-over-period, here is a look at the major expense line items we have data for:

Cost Component	Q3 2025 Amount	Q3 2024 Amount
Total Noninterest Expense	$29.0 million	$27.6 million
Provision for Credit Losses on Loans	$1.6 million	Data not explicitly available for direct comparison

The provision for credit losses is a critical, though variable, cost. For the third quarter of 2025, Heritage Commerce Corp recorded a $1.6 million provision for credit losses on loans, up from $0.9 million in the second quarter of 2025. Additionally, there was a $212,000 provision for credit losses on unfunded commitments in Q3 2025. The total provision for credit losses was cited as $0.42 million in one summary, but the detailed components sum to a larger figure.

You can see the impact of disciplined expense management when looking at the efficiency ratio. The reported efficiency ratio for Q3 2025 was 58.05%, a significant improvement from 65.37% in Q3 2024. This means Heritage Commerce Corp generated more revenue for every dollar of operating cost compared to the prior year period.

Heritage Commerce Corp (HTBK) - Canvas Business Model: Revenue Streams

You're looking at how Heritage Commerce Corp (HTBK) actually brings in the money, which for a bank like this, boils down to the spread between what it earns on assets and what it pays on liabilities, plus fees for services. Honestly, it's a pretty standard model for a community-focused bank, but the recent margin expansion has been a real driver.

The primary engine for Heritage Commerce Corp (HTBK) revenue remains the Net Interest Income (NII) generated from its loan and securities portfolio. For the third quarter of 2025, this core component totaled $46.8 million. This figure reflects the bank's ability to manage its asset yields against its cost of funds, which saw its cost of funds decrease to 1.54% in Q3 2025.

The other side of the revenue coin is Noninterest Income. For the third quarter of 2025, the total for this category was $3.22 million. This stream is comprised of several distinct activities that support the core lending business. Here's how the total revenue picture looked for that quarter:

Revenue Source	Q3 2025 Amount (Millions USD)
Net Interest Income (NII)	46.80
Total Noninterest Income	3.22
Total Revenue	50.03

To give you a clearer view of that Noninterest Income, it's important to see the specific activities that feed into it, even if the exact breakdown isn't always published line-by-line in the high-level summaries. The components that make up this fee-based income include:

• - Noninterest income from service charges and fees
• - Factoring revenue from CSNK Working Capital Finance Corp
• - Loan origination and servicing fees

When you add the NII and the total Noninterest Income together, the result for Heritage Commerce Corp (HTBK) is a strong top line. Total revenue reached $50.0 million in Q3 2025. That represents a 19% increase year-over-year from the $42.2 million reported in Q3 2024. The expansion in the Fully Tax Equivalent (FTE) Net Interest Margin to 3.60% in Q3 2025 was a key driver for this overall revenue performance.

You can see the sequential momentum, too. Total revenue of $50.0 million in Q3 2025 was up 5%, or $2.2 million, compared to $47.8 million in the second quarter of 2025. This shows the bank is successfully executing on its strategy to grow its client franchise and generate profitable growth. The focus on disciplined expense management also helps ensure that more of that revenue flows through to the bottom line, improving the efficiency ratio to 58.05% in the quarter.