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Heritage Commerce (HTBK) investor relations material
Heritage Commerce Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved double-digit EPS growth and positive operating leverage in Q3 2025, with net income of $14.7M ($0.24 per diluted share), up 40% year-over-year and over 130% sequentially, driven by strong loan and deposit growth, margin expansion, and disciplined expense management.
Adjusted net income for the first nine months, excluding a $9.2M legal settlement and branch closure charge, was $39.3M ($0.64 per share).
Asset quality improved, with nonperforming assets to total assets at 0.07% and classified assets at 0.62%.
Financial highlights
Total revenue rose 19% year-over-year to $50.0M in Q3 2025; net interest income increased 19% to $46.8M.
FTE net interest margin expanded to 3.60% from 3.15% year-over-year and 3.54% sequentially.
Pre-provision net revenue (PPNR) was $21.0M in Q3 2025, up 44% year-over-year and 122% sequentially.
Efficiency ratio improved to 58.05% from 65.37% year-over-year and 80.23% sequentially.
Noninterest income grew 8% to $3.2M; noninterest expense increased 5% to $29.0M.
Outlook and guidance
Management remains focused on growing market share, client franchise, and delivering profitable growth, supported by strong capital, liquidity, and asset quality.
No changes to critical accounting policies or guidance for the remainder of 2025.
Impact of deposit mix on cost of funds?
What drove the NPA reduction this quarter?
Strategy for HTM unrealized losses?
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Next Heritage Commerce earnings date
Q4 202523 Jan, 2026
Next Heritage Commerce earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
Heritage Commerce Corp operates as a bank holding company through its primary subsidiary, Heritage Bank of Commerce. Established in 1994 and headquartered in San Jose, California, the company offers a comprehensive range of commercial and personal banking services primarily to the business and professional community across several counties in California. Heritage Commerce Corp provides a variety of banking products, including different types of deposit accounts, and a diverse loan portfolio that encompasses commercial, real estate, and consumer loans. The company also offers additional banking services such as electronic banking, remote deposit capture, and factoring financing through its subsidiary, CSNK Working Capital Finance Corp. Its shares are listed on the Nasdaq.
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