This institution is no longer active

Operations ceased on January 1, 2003. CRA examination history below reflects the period it was active.

HERITAGE BANK EAST BAY

FREMONT, CA · Supervised by FDIC

Est. 1998FDIC #34,912RSSD: FDIC-34912

Part ofHERITAGE COMMERCE CORP→ View all charters

Satisfactory

Current rating · Exam: December 1999

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.29%

Institution Profile

FDIC BankFind

Address

3077 Stevenson Boulevard, FREMONT, CA

County

Alameda County

Established

December 7, 1998

Total Assets

$134M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 26 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2002Call Report / FDIC

Total Assets

$134M

Total Deposits

$121M

Net Loans

$91M

Net Income

$377K

ROA

0.29%

Below avg for Small banks. Peer avg: 0.44%

ROE

3.27%

Risk-Based Capital

11.26%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.29%Peer avg: 0.44%▼ Below avg

Risk-Based Capital11.26%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

This is the only examination on record for this bank.

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