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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 mortgage experience smooth and enjoyable
  • Be your proactive partner
  • Find the right home loan or refinance for your particular situation
  • Stick by our commitments

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. Heritage Oaks Bank 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, Heritage Oaks Bank 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, and 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. And in December, 2014, we opened a full-service branch office in Goleta. 

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


7480 El Camino Real, Atascadero, CA  93422
Direct:  (805) 369-5138
Copyright © 2017 HERITAGE OAKS BANK
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