About us

We are committed to you, our customers. We promise to listen and help you achieve your goals by being responsive, respectful and reliable. Not only will we solve problems, but we will also make your life easier.

You can count on us to:

  • Make your banking experience smooth and enjoyable
  • Be your proactive banking partner
  • Find the right services for your particular situation
  • Stick by our committments

Heritage Oaks Bank opened its 12th street office in Paso Robles, CA in 1983. We added branches in Paso Robles in 1994, San Luis Obispo in 1996, Cambria in 1997, Atascadero in 1999 and Arroyo Grande in 2000. We  welcomed the staff and clients of Hacienda Bank in Santa Maria to our banking family in 2002. We opened a brand new branch in Templeton in 2006. In 2007, we opened our Santa Barbara Division, Business First Bank, to serve the Santa Barbara community. During 2013, our Business First Bank division changed the name to Heritage Oaks Bank. We also opened a new office in Morro Bay. In February 2014, the transaction to purchase Mission Community Bank was completed making Heritage Oaks Bank the largest publicly traded, locally headquartered community bank in the counties of San Luis Obispo, Santa Barbara and Ventura.

Heritage Oaks Bank is here because of you; to give you the products you need to make your money grow, to serve you with intelligence and a smile, to be an integral part of our unique community.