Heritage Commerce Corp. provided earnings guidance for 2021. For the period, the company would expect the EPS accretion to be over 6%, tangible book dilution of 8% and an earn back of just a little over 4 years, solid internal rate of return of 25% and a pro forma company remains very well capitalized for regulatory purposes with an estimated tangible common equity ratio of 9%, a leverage ratio of 9.3% and a risk-based capital ratio of over 13.5%.