Our People

25 years of helping our clients frame their success.

Our People

People, knowledge and commitment. We employ proven, knowledgeable team members with extensive expertise when it comes to business banking. They’re committed to utilizing that expertise in developing long-term financial relationships with you to understand your specific needs, by caring about your success and building the best solutions for you and your business.

Meet Our Executives

Keith A. Wilton, President and Chief Executive Officer

Keith brings over 35 years of financial services experience to Heritage Bank of Commerce. He was formerly from Santa Barbara Bank & Trust, now UnionBanCal Corporation, where he served as Executive Vice President. Prior to that, he was Corporate Executive Vice President of the Specialty Finance Group of Greater Bay Bancorp, prior to its acquisition by Wells Fargo in 2007. Wilton graduated from the Stanford Executive Program in 2006, received a Masters Certificate in Internet Marketing from the University of San Francisco’s School of Management and a Bachelor’s degree in Urban Land Economics and Finance from the University of British Columbia’s Sauder School of Business.

Clay Jones, Executive Vice President, President of Community Business Banking

Clay Jones brings three decades of experience as a proven leader in the establishment and growth of community and commercial banking organizations. Prior to Heritage Bank of Commerce, Clay served nearly a decade at Presidio Bank, assuming the role of President in 2018. Prior to joining Presidio Bank, Clay was the organizing and initial President and CEO of New Resource Bank, widely considered the first sustainably focused community bank in the nation. Clay is very active in his community serving a variety of advisory and board roles in the Bay Area community. He serves as an Executive Board Member of Job Train, an educational and training institution serving low-income individuals and their families. He graduated from the University of the Pacific with a B.S. Degree in Business Administration

Michael Benito, Executive Vice President, Banking Division

Michael is known in the banking industry as an exceptional relationship banker as a result of his financial engineering skills and knowledge of treasury management. He joined Heritage Bank in 2003 after serving as a managing director for Greater Bay Bank and prior to that as Regional Vice President of the Santa Clara Valley Region of Imperial Bancorp. He began his banking career of more than 25 years ago at Union Bank. Michael graduated with honors from California State University, Fresno, with a bachelor’s degree. Michael also serves on several civic, not-for-profit charity boards in Santa Clara County along with the Board of Fellows of Santa Clara University and the Executive Advisory Board to the School of Business at San Jose State University.

Teresa Powell, Executive Vice President, HOA & Deposit Services

Ms. Powell is a highly experienced banker who has spent her entire career in the Santa Clara Valley. Teresa has deep banking knowledge which includes operations, cash management, and deposit products. Most recently, Teresa was Executive Vice President Community Banking for Focus Business Bank where she was responsible for the creation and growth of their HOA and Nonprofit business lines. Prior to that, she served in senior and executive management positions at Greater Bay Bancorp, San Jose National Bank and Pacific Western Bank. Teresa is active in the community and serves on the board of West San Jose Kiwanis, Abode Services, and Santa Clara Monterey Bay Council Boy Scouts of America.

Meet Our Managers

Banking Managers

South Bay

Morgan Hill / Gilroy / Hollister

Jeff Perkins, Senior Vice President, Regional Manager
408-782-5262

San Jose/Los Gatos

Toby Cordone, Senior Vice President, Regional Manager
408-494-4528

Palo Alto/ Los Altos/ Sunnyvale

Luke Farley, Senior Vice President, Regional Manager
650-321-2613

East Bay

Pleasanton / Fremont / Livermore

Cathy Raty, Senior Vice President, Regional Manager
925-314-2894

Walnut Creek / Danville

Tim White, Senior Vice President, Regional Manager
925-314-2884

Central Bay

Landon Baines, Executive Vice President, Regional Manager
925-287-4805

San Francisco

Richard Tong, Executive Vice President, San Francisco Market President
408-792-4060

North Bay

Todd Allen, Executive Vice President, North Bay Market President
415-293-1005


Corporate Finance

Mike Hansen, Senior Vice President, Corp Finance Division Manager
408-792-4091

SBA Lending

Ruth Brown, Senior Vice President, SBA Department Manager
925-314-2882

Community Bank Small Business Group / Real Estate Industries

Dustin Warford, Senior Vice President, Department Manager
408-792-4060