Heritage Oaks Bancorp operates as the holding company for Heritage Oaks Bank that provides commercial and retail banking services to retail customers, and small to medium-sized businesses in California. The company offers deposit products, including interest bearing and non-interest bearing demand deposits, checking and savings accounts, time deposit accounts, individual retirement accounts, money market accounts, and certificates of deposit. Its loan products comprise commercial and industrial, agricultural, credit card, and consumer loans; construction and land loans; and real estate secured loans for multi-family, farmland, and 1-4 family residential properties, as well as equity lines of credit and commercial real estate loans. In addition, the company offers residential mortgage banking services, online banking, wire transfers, safe deposit boxes, bank-by-mail, and night depository services, as well as issues cashier’s checks and money orders, and sells travelers checks. As of April 23, 2012, it had two branches in Paso Robles and San Luis Obispo; one branch each in Cambria, Arroyo Grande, Atascadero, Templeton, and Morro Bay; three branches in Santa Maria; and two branches in Santa Barbara. The company was founded in 1983 and is headquartered in Paso Robles, California.