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Heritage Commerce (HTBK) investor relations material
Heritage Commerce Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $6.4M ($0.10 per diluted share), down from $9.2M in Q2 2024, mainly due to a $9.2M pre-tax legal settlement and branch closure charges; adjusted net income was $13.0M ($0.21 per share), up 11% sequentially and 40% year-over-year.
Loan growth was well diversified, net interest margin expanded, and asset quality remained stable, though deposits declined sequentially due to seasonal outflows.
Capital and liquidity positions remain strong, with regulatory ratios well above requirements.
Financial highlights
Net interest income rose 15% year-over-year to $44.8M in Q2 2025; FTE net interest margin increased to 3.54% from 3.23%.
Total revenue grew 15% to $47.8M in Q2 2025; noninterest income increased to $3.0M, driven by higher termination and facility fees.
Noninterest expense rose to $38.3M in Q2 2025, including $9.2M in legal and branch closure charges; adjusted noninterest expense was $29.1M.
Adjusted PPNR for Q2 2025 was $18.6M, up from $16.6M in Q1 2025 and $13.5M in Q2 2024.
Allowance for credit losses on loans was $48.6M (1.38% of total loans), covering 787% of nonperforming loans.
Outlook and guidance
Management expects continued positive trends in loan growth, net interest margin, and expense management, supported by strong capital and liquidity.
The company is well positioned to navigate economic volatility and maintain healthy asset quality.
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Next Heritage Commerce earnings date
Q3 202524 Oct, 2025
Next Heritage Commerce earnings date
Q3 202524 Oct, 2025
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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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