Information Concerning Bank Safety and FDIC Insurance from Heritage Oaks Bank

Part of our daily commitment, since 1983, is making sure we keep our clients informed and involved as it relates to their banking relationship with us.

We know there are many misperceptions about the banking industry right now, and that the news media concentrates on the troubles of large investment banks.

Your deposits with us are insured by the FDIC. The standard deposit insurance amount is $250,000 per depositor for each account ownership category. Depending on the ownership categories of your accounts it is possible to insure deposits in excess of $250,000.00. We also have deposit products available which allow you to keep all of your liquid funds at Heritage Oaks Bank and still be fully insured.

Contact any Heritage Oaks Bank account representative for assistance in calculating your coverage. You can also use the FDIC’s Electronic Deposit Insurance Tool Estimator (EDIE) tool.

Please know that we do not hold any mortgage loans in our loan portfolio that are of the nature or type which has led to the problems in some banking sectors. Neither did we hold any shares of FHLMC or FNMA, investments which have caused other banks to suffer liquidity problems.

Of greatest importance, we are a well-capitalized bank pursuant to regulatory standards. We operate a very conservative bank, which has produced profitability quarter after quarter for the past 20 years. You should also know that our bank’s stock price is a function of the market and has no direct link to our overall bank performance. The banking industry as a whole has seen a decrease in stock value over the past 12 months.

There is a reason Heritage Oaks Bank is the largest publically owned and operated community bank on the Central Coast. We serve the best interest of our clients and employees. These actions earn us your trust and respect which will enable us to grow and be YOUR community bank.

If you have questions please send them to and we will get back to you with an answer.