Heritage Oaks Bancorp operates as the bank holding company for Heritage Oaks Bank that provides banking products and services to small and medium sized businesses, and consumers in California. The company accepts various deposit products, including personal and business checking and savings accounts, time deposit accounts, individual retirement accounts, and money market accounts, as well as certificates of deposit. It also offers real estate secured loans comprising loans that are secured by commercial real estate, multi-family, farmland, and 1 to 4 family residential properties, as well as equity lines of credit secured by real estate; commercial and industrial, agriculture, and other commercial purpose loans; construction and land loans; and installment loans, as well as residential mortgages and other consumer loans. In addition, the company provides online banking, mobile banking, wire transfers, safe deposit boxes, bank-by-mail, remote deposit capture, night depository, and other customary banking services, as well as cashier’s and travelers checks. As of June 4, 2015, it operated two branch offices each in Paso Robles and San Luis Obispo; and single branch offices in Atascadero, Templeton, Cambria, Morro Bay, Arroyo Grande, Santa Maria, Goleta, and Santa Barbara, as well as a single loan production office in Ventura/Oxnard. The company was founded in 1983 and is headquartered in Paso Robles, California.