SPECIAL NOTICE: Please be aware that we will be performing some systems maintenance from 11:00 pm, Saturday, August 9 to 8:00am, Sunday, August 10. During this time, your account balance information may not reflect the most current balance or recent transaction activity in your account. Following the completion of our systems maintenance, the balance and transaction information will be updated. We apologize for any inconvenience.

We're Growing

Heritage Oaks Bank is merging with Mission Community Bank, an acquisition that will enable us to continue our personalized service and 30 year tradition of community banking.

We do Mortgage Loans


If you need a new mortgage or want to refinance, contact one of our experienced Mortgage Loan Officers today. We offer local decision making and local funding for faster service. Act now while rates are still low!


Partnering to Help Victims

Heritage Oaks Bank is partnering with the Santa Barbara Foundation to accept donations for the Victims of Isla Vista Fund to benefit the victims and their families. Donations can be made at any Heritage Oaks Bank branch or online at SBFoundation.org.