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        <link:definition>9955528 - Disclosure - Revenue Recognition (Tables)</link:definition>
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        <link:definition>9955529 - Disclosure - Noninterest Expense (Tables)</link:definition>
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        <link:definition>9955530 - Disclosure - Business Segment Information (Tables)</link:definition>
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  <xs:element id="htbk_SummaryOfCarryingAmountOfIncomeTaxHousingInvestmentTableTextBlock" abstract="false" name="SummaryOfCarryingAmountOfIncomeTaxHousingInvestmentTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="htbk_ScheduleOfDefinedBenefitPlanAssumptionsUsedInCalculatingBenefitObligationTableTextBlock" abstract="false" name="ScheduleOfDefinedBenefitPlanAssumptionsUsedInCalculatingBenefitObligationTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="htbk_ScheduleOfDefinedBenefitPlanAssumptionsUsedInCalculatingNetPeriodicBenefitCostTableTextBlock" abstract="false" name="ScheduleOfDefinedBenefitPlanAssumptionsUsedInCalculatingNetPeriodicBenefitCostTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="htbk_ScheduleOfNoninterestExpenseTableTextBlock" abstract="false" name="ScheduleOfNoninterestExpenseTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="htbk_HeritageCommerceCorpMember" abstract="true" name="HeritageCommerceCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CVBFinancialCorp.Member" abstract="true" name="CVBFinancialCorp.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_BusinessCombinationExpectedRecognizedAssets" abstract="false" name="BusinessCombinationExpectedRecognizedAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_BusinessAcquisitionNumberOfOfficeAndBranchesUponCompletion" abstract="false" name="BusinessAcquisitionNumberOfOfficeAndBranchesUponCompletion" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_PeriodForWhichFederalFundsAreSoldAndPurchased" abstract="false" name="PeriodForWhichFederalFundsAreSoldAndPurchased" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_BayViewFundingMember" abstract="true" name="BayViewFundingMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_NumberOfBuildingsOwned" abstract="false" name="NumberOfBuildingsOwned" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_FocusBusinessBankMember" abstract="true" name="FocusBusinessBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_UnitedAmericanBankMember" abstract="true" name="UnitedAmericanBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_PresidioBankMember" abstract="true" name="PresidioBankMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_BvfCsnkAcquisitionCorpMember" abstract="true" name="BvfCsnkAcquisitionCorpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CustomerRelationshipsAndBrokeredRelationshipsMember" abstract="true" name="CustomerRelationshipsAndBrokeredRelationshipsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_AccumulatedDefinedBenefitPlansAdjustmentNetTransitionAndNetGainLossAttributableToParentMember" abstract="true" name="AccumulatedDefinedBenefitPlansAdjustmentNetTransitionAndNetGainLossAttributableToParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_AccumulatedDefinedBenefitPlansAdjustmentNetGainLossAndNetPriorServiceAttributableToParentMember" abstract="true" name="AccumulatedDefinedBenefitPlansAdjustmentNetGainLossAndNetPriorServiceAttributableToParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_InvestmentSecuritiesQualitativeDisclosureNumberOfHoldingsOfSecuritiesOfAnyOneIssuerOtherThanUsGovernmentAndSponsoredEntities" abstract="false" name="InvestmentSecuritiesQualitativeDisclosureNumberOfHoldingsOfSecuritiesOfAnyOneIssuerOtherThanUsGovernmentAndSponsoredEntities" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesAsPercentageOfShareholdersEquityConsideredAsThresholdForDisclosurePurpose" abstract="false" name="AvailableForSaleSecuritiesAsPercentageOfShareholdersEquityConsideredAsThresholdForDisclosurePurpose" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_InvestmentSecuritiesQualitativeDisclosureNumberOfPositions" abstract="false" name="InvestmentSecuritiesQualitativeDisclosureNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesQualitativeDisclosureNumberOfPositions" abstract="false" name="AvailableForSaleSecuritiesQualitativeDisclosureNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_HeldToMaturitySecuritiesQualitativeDisclosureNumberOfPositions" abstract="false" name="HeldToMaturitySecuritiesQualitativeDisclosureNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesPledgedAsCollateralAmortizedCost" abstract="false" name="AvailableForSaleSecuritiesPledgedAsCollateralAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearAmortizedCostBasis" abstract="false" name="AvailableForSaleSecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearAmortizedCostBasis" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_AvailableForSaleSecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearFairValue" abstract="false" name="AvailableForSaleSecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountRollingMaturityAbstract" abstract="true" name="HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountRollingMaturityAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="htbk_HeldToMaturitySecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearFairValue" abstract="false" name="HeldToMaturitySecuritiesDebtMaturitiesRollingAfterThreeMonthsThroughOneYearFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLossRollForward" abstract="true" name="DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLossRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="htbk_DebtSecuritiesHeldToMaturityProvisionRecaptureForCreditLosses" abstract="false" name="DebtSecuritiesHeldToMaturityProvisionRecaptureForCreditLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_RealEstatePortfolioSegmentMember" abstract="true" name="RealEstatePortfolioSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CommercialFinancingReceivableMember" abstract="true" name="CommercialFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CommercialAndResidentialWithOwnerOccupiedFinancingReceivableMember" abstract="true" name="CommercialAndResidentialWithOwnerOccupiedFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CommercialAndResidentialWithNonOwnerOccupiedFinancingReceivableMember" abstract="true" name="CommercialAndResidentialWithNonOwnerOccupiedFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_LandAndConstructionFinancingReceivableMember" abstract="true" name="LandAndConstructionFinancingReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_MultiFamilyResidentialLoanMember" abstract="true" name="MultiFamilyResidentialLoanMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_ConsumerLoansAndOtherMember" abstract="true" name="ConsumerLoansAndOtherMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_ImpairedFinancingReceivablesRecordedInvestmentAbstract" abstract="true" name="ImpairedFinancingReceivablesRecordedInvestmentAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="htbk_FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" abstract="false" name="FinancingReceivableExcludingAccruedInterestNonaccrualWithAllowance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_FinancingReceivableRecordedInvestmentsAgingAbstract" abstract="true" name="FinancingReceivableRecordedInvestmentsAgingAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="htbk_LoanClassifiedAsLossMember" abstract="true" name="LoanClassifiedAsLossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_BusinessAssetsMember" abstract="true" name="BusinessAssetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CollateralDependentLoans" abstract="false" name="CollateralDependentLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_NumberOfLoansMultipleConcessionsProvided" abstract="false" name="NumberOfLoansMultipleConcessionsProvided" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_RiskGradesMember" abstract="true" name="RiskGradesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_SubstandardNonaccrualMember" abstract="true" name="SubstandardNonaccrualMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_LoanServicingRightsMember" abstract="true" name="LoanServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_ServicingAssetLoansHeldForSaleSmallBusinessAdministrationLoansSoldToSecondaryMarket" abstract="false" name="ServicingAssetLoansHeldForSaleSmallBusinessAdministrationLoansSoldToSecondaryMarket" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_ServicingAssetWeightedAverageServicingRateForLoansServiced" abstract="false" name="ServicingAssetWeightedAverageServicingRateForLoansServiced" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_InterestOnlyStripReceivablesMember" abstract="true" name="InterestOnlyStripReceivablesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_ServicingAssetAtAmortizedValueUnrealizedGain" abstract="false" name="ServicingAssetAtAmortizedValueUnrealizedGain" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_FurnitureAndEquipmentMember" abstract="true" name="FurnitureAndEquipmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_OperatingLeaseWeightedAverageLeaseTerm" abstract="false" name="OperatingLeaseWeightedAverageLeaseTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_OperatingLeaseWeightedAverageDiscountRatePercentage" abstract="false" name="OperatingLeaseWeightedAverageDiscountRatePercentage" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_BankingSegmentMember" abstract="true" name="BankingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_FactoringSegmentMember" abstract="true" name="FactoringSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_TimeDepositMaturitiesYearSix" abstract="false" name="TimeDepositMaturitiesYearSix" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_TimeDepositsIncludingDepositsWithinCertificateOfDepositAccountRegistryServiceAndBrokeredDeposits250000OrMore" abstract="false" name="TimeDepositsIncludingDepositsWithinCertificateOfDepositAccountRegistryServiceAndBrokeredDeposits250000OrMore" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_TimeDepositsCdars" abstract="false" name="TimeDepositsCdars" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_PercentageOfUninsuredDepositsOnTotalDeposits" abstract="false" name="PercentageOfUninsuredDepositsOnTotalDeposits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_DepositsBrokered" abstract="false" name="DepositsBrokered" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DepositsFromRelatedParties" abstract="false" name="DepositsFromRelatedParties" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_InterestBearingDepositDemand" abstract="false" name="InterestBearingDepositDemand" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_MoneyMarketDepositsCdars" abstract="false" name="MoneyMarketDepositsCdars" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_HoldingCompanyLineOfCreditMember" abstract="true" name="HoldingCompanyLineOfCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_LineOfCreditFacilityCollateralAmount" abstract="false" name="LineOfCreditFacilityCollateralAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_SubordinatedDebtDueOn2032Member" abstract="true" name="SubordinatedDebtDueOn2032Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_SubOrdinatedDebtDueOn2027Member" abstract="true" name="SubOrdinatedDebtDueOn2027Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_EffectiveIncomeTaxRateReconciliationChangeInCashSurrenderValueOfLifeInsuranceAmount" abstract="false" name="EffectiveIncomeTaxRateReconciliationChangeInCashSurrenderValueOfLifeInsuranceAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_EffectiveIncomeTaxRateReconciliationChangeInCashSurrenderValueOfLifeInsurancePercent" abstract="false" name="EffectiveIncomeTaxRateReconciliationChangeInCashSurrenderValueOfLifeInsurancePercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_DeferredTaxAssetsLeaseLiabilities" abstract="false" name="DeferredTaxAssetsLeaseLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DeferredTaxAssetsNonaccrualInterest" abstract="false" name="DeferredTaxAssetsNonaccrualInterest" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DeferredTaxAssetsRightOfAssets" abstract="false" name="DeferredTaxAssetsRightOfAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DeferredTaxLiabilitiesDebtSecuritiesAvailableForSaleUnrealizedGain" abstract="false" name="DeferredTaxLiabilitiesDebtSecuritiesAvailableForSaleUnrealizedGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DeferredTaxLiabilitiesFederalHomeLoanBankStock" abstract="false" name="DeferredTaxLiabilitiesFederalHomeLoanBankStock" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_DeferredTaxLiabilitiesInterestOnlyStripReceivables" abstract="false" name="DeferredTaxLiabilitiesInterestOnlyStripReceivables" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_LowIncomeHousingInvestmentsMember" abstract="true" name="LowIncomeHousingInvestmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CommitmentDueAfterFirstYear" abstract="false" name="CommitmentDueAfterFirstYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_EstimatedTaxCreditsOnIncomeTaxHousingInvestments" abstract="false" name="EstimatedTaxCreditsOnIncomeTaxHousingInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_EstimatedInvestmentGainLossOnIncomeTaxHousingInvestments" abstract="false" name="EstimatedInvestmentGainLossOnIncomeTaxHousingInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_CarryingAmountOfEstimatedGainLossOnHousingInvestmentOnIncomeTax" abstract="false" name="CarryingAmountOfEstimatedGainLossOnHousingInvestmentOnIncomeTax" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_EquityIncentivePlan2013Member" abstract="true" name="EquityIncentivePlan2013Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_EquityIncentivePlan2023Member" abstract="true" name="EquityIncentivePlan2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_LongTermIncentiveEquityProgramMember" abstract="true" name="LongTermIncentiveEquityProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_PerformanceBasedRestrictedStockUnitsMember" abstract="true" name="PerformanceBasedRestrictedStockUnitsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_BoardOfDirectorsMember" abstract="true" name="BoardOfDirectorsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationTerm" abstract="false" name="ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExpirationTerm" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_PercentageOfAwardedValueInRelevantAwardType" abstract="false" name="PercentageOfAwardedValueInRelevantAwardType" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardPerformancePeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_DurationToCliffVesting" abstract="false" name="DurationToCliffVesting" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_ShareBasedPaymentArrangementTaxExpense" abstract="false" name="ShareBasedPaymentArrangementTaxExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_TaxExpenseBenefitRealizedFromOptionExercises" abstract="false" name="TaxExpenseBenefitRealizedFromOptionExercises" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentUnits" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentUnits" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="htbk_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentUnitsWeightedAverageGrantDateFairValue" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsDividendEquivalentUnitsWeightedAverageGrantDateFairValue" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="htbk_DefinedContributionPlanMaximumEmployerDiscretionaryContributionPerEmployeeAmount" abstract="false" name="DefinedContributionPlanMaximumEmployerDiscretionaryContributionPerEmployeeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_EmployeeStockOwnershipPlanEsopHoursOfServiceRequiredForPlanEligibilityMinimum" abstract="false" name="EmployeeStockOwnershipPlanEsopHoursOfServiceRequiredForPlanEligibilityMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_DeferredCompensationArrangementMaximumPercentageOfBonusIntoDeferredAccount" abstract="false" name="DeferredCompensationArrangementMaximumPercentageOfBonusIntoDeferredAccount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_DeferredCompensationArrangementPercentageOfRegularSalaryIntoDeferredAccount" abstract="false" name="DeferredCompensationArrangementPercentageOfRegularSalaryIntoDeferredAccount" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_NumberOfEmployeesElectedToParticipateInDeferredCompensation" abstract="false" name="NumberOfEmployeesElectedToParticipateInDeferredCompensation" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_DefinedBenefitPlanCombinedNumberOfActiveAndRetiredOrTerminatedParticipants" abstract="false" name="DefinedBenefitPlanCombinedNumberOfActiveAndRetiredOrTerminatedParticipants" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="htbk_DefinedBenefitPlanVestingPeriodMinimum" abstract="false" name="DefinedBenefitPlanVestingPeriodMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_AmortizationOfPriorTransitionObligationAndActuarialLosses" abstract="false" name="AmortizationOfPriorTransitionObligationAndActuarialLosses" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_InterestOnlyStripReceivablesFairValueDisclosure" abstract="false" name="InterestOnlyStripReceivablesFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_AccruedInterestReceivableFairValueDisclosure" abstract="false" name="AccruedInterestReceivableFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_TimeDepositsFairValueDisclosure" abstract="false" name="TimeDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_OtherDepositsFairValueDisclosure" abstract="false" name="OtherDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_CivilActionsChallengingMergerMember" abstract="true" name="CivilActionsChallengingMergerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_CivilActionsFiledByPurportedShareholdersUnderNewYorkCommonLawMember" abstract="true" name="CivilActionsFiledByPurportedShareholdersUnderNewYorkCommonLawMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditTotal" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditTotal" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_PercentageOfUnusedCommitmentsToOutstandingGrossLoans" abstract="false" name="PercentageOfUnusedCommitmentsToOutstandingGrossLoans" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_OffBalanceSheetCreditLossLiabilityIncreaseDueToOffsettingIncreaseInLossFactorsInCeclModel" abstract="false" name="OffBalanceSheetCreditLossLiabilityIncreaseDueToOffsettingIncreaseInLossFactorsInCeclModel" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_UnusedLinesOfCreditAndCommitmentsToExtendCreditMember" abstract="true" name="UnusedLinesOfCreditAndCommitmentsToExtendCreditMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditFixedRate" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditFixedRate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditVariableRate" abstract="false" name="FairValueDisclosureOffBalanceSheetRisksAmountAssetCommitmentsToExtendCreditVariableRate" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_RepurchaseProgramMember" abstract="true" name="RepurchaseProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" abstract="false" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBuffer" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" abstract="false" name="TierOneRiskBasedCapitalRequiredForCapitalAdequacyWithBufferToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="htbk_CommonEquityTierOneRiskCapitalToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskCapitalToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="htbk_CommonEquityTierOneRiskCapitalRequiredToBeWellCapitalized" abstract="false" name="CommonEquityTierOneRiskCapitalRequiredToBeWellCapitalized" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="htbk_CommonEquityTierOneRiskCapitalRequiredForCapitalAdequacy" abstract="false" name="CommonEquityTierOneRiskCapitalRequiredForCapitalAdequacy" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" abstract="false" name="CommonEquityTierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="htbk_CapitalConservationBufferRatio" abstract="false" name="CapitalConservationBufferRatio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="htbk_ServiceChargesAndFeesOnDepositAccountsMember" abstract="true" name="ServiceChargesAndFeesOnDepositAccountsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="htbk_SoftwareSubscription" abstract="false" name="SoftwareSubscription" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_ClientServices" abstract="false" name="ClientServices" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_AverageLifeOfFactoredReceivables" abstract="false" name="AverageLifeOfFactoredReceivables" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="htbk_IntersegmentInterestAllocation" abstract="false" name="IntersegmentInterestAllocation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_IntersegmentExpenseAllocation" abstract="false" name="IntersegmentExpenseAllocation" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="htbk_InvestmentInSubsidiaryBank" abstract="false" name="InvestmentInSubsidiaryBank" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
