Heritage Oaks Bancorp is a bank holding company. Through its subsidiary, Heritage Oaks Bank, N.A. (the Bank), Co. provides banking products and services to businesses and consumers in San Luis Obispo and Santa Barbara Counties. The Bank provides to its commercial clients commercial loans secured by real estate, commercial loans and lines of credit, agricultural loans, construction financing, and other real estate loans. For consumers, the Bank provides residential mortgages, equity lines of credit and other consumer loans. Deposit products include personal and business checking and savings accounts. At Dec 31 2015, Co. had total assets of $1.90 billion and total deposits of $1.56 billion.

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