Bob Davis

Heritage Oaks Bank is pleased to announce the addition of a new Mortgage Loan Officer, Bob Davis, to their Mortgage team. With over 35 years of experience in real estate and finance, Mr. Davis specializes in First-Time Home Buyer and 1031 Tax-Deferred Exchange real estate financing. He has assisted over 4,800 families with secure mortgage financing.

“Bob Davis comes to us with a solid reputation and many years of expertise in the mortgage lending field,” says Fred Bond, Mortgage Division Manager and Senior Vice President of Heritage Oaks Bank. “Bob’s business practices, product knowledge and superior customer service meld nicely with Heritage Oaks Bank’s brand of ‘Expect More’. We’re very pleased to have someone of Bob’s character join the Heritage Oaks Bank team,” adds Bond.

Davis commented, “I am excited to join the growing team of lending professionals at Heritage Oaks Bank.  When Steve Mattesich introduced me to Fred Bond and Heritage Oaks Bank, it felt like the perfect fit. I really appreciate my long-time friend Steve Mattesich for his insightfulness in this business synergy.”

Heritage Oaks Bank serves the communities from Paso Robles to Santa Maria – and in Santa Barbara under the Brand, Business First Bank, a division of Heritage Oaks Bank. The Bank has expanded into Ventura County with the addition of Bob Davis. The production office location will be Oxnard and is scheduled to open in early June 2012.

“Expect More” Dedication

Celebrating twenty-nine years of dedicated service, Heritage Oaks Bancorp (NASDAQ: HEOP), is the holding company for Heritage Oaks Bank which operates as Heritage Oaks Bank and Business First, a division of Heritage Oaks Bank. Heritage Oaks Bank has its headquarters plus one additional branch in Paso Robles, two branch offices in San Luis Obispo, single branch offices in Cambria, Arroyo Grande, Atascadero, Templeton and Morro Bay and three branch offices in Santa Maria. Heritage Oaks Bank conducts commercial banking business in San Luis Obispo County and Northern Santa Barbara County. The Business First division has two branch offices in Santa Barbara. Expect More and learn more by visiting

“Expect More” Value

Our “‘Expect More” commitment is to serve the best interest of our customers and employees with a genuine personal connection. This daily commitment has established Heritage Oaks Bank and Business First Bank, a division of Heritage Oaks Bank, as the largest publicly owned and operated community banking organization on the Central Coast.