Kitsap Bank
Port Orchard, WA
IDRSSD: 584377
Total Assets
$1.67B
Latest filing
Total Deposits
$1.43B
Latest filing
Net Interest Margin
3.66%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Kitsap Bank
619 Bay St
Port Orchard, WA 98366
Full Service - Brick and Mortar
Updated 11/14/2025Established 08/08/1908FDIC Certificate 4154
Branches (17)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Kitsap Bank (Main) | 619 Bay St | Port Orchard, WA |
| EAST BREMERTON BRANCH | 3425 Wheaton Way | Bremerton, WA |
| SOUTH PARK VILLAGE BRANCH | 1700 Village Ln Se | Port Orchard, WA |
| SILVERDALE BRANCH | 10488 Silverdale Way Nw | Silverdale, WA |
| BAINBRIDGE ISLAND BRANCH | 10140 Ne High School Rd | Bainbridge Island, WA |
| GIG HARBOR BRANCH | 4714 Point Fosdick Dr | Gig Harbor, WA |
| BELFAIR BRANCH | 24180 Ne State Route 3 | Belfair, WA |
| PORT ANGELES BRANCH | 716 E Front St | Port Angeles, WA |
Showing 7 of 17
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/08/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 98366 |
| State and County Number | 53035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Bremerton-Silverdale-Port Orchard, WA |
Operational Info
| Number of Employees | 267 |
| Domestic Offices | 18 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.kitsapbank.com |
| Data Updated | 11/14/2025 |
| CERT | 6161 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.67B |
| Total Deposits | $1.43B |
| Total Liabilities | $1.50B |
| Total Equity Capital | $167.43M |
| Net Income | $4.27M |
| Net Loans and Leases | $893.79M |
| Assets Per Employee ($Millions) | $6.36M |
| Bank Premises and Fixed Assets | $60.15M |
| Cash and Balances due from Depository Institutions | $70.50M |
| Deposits Held in Domestic Offices | $1.43B |
Key Performance Ratios
| Return on Assets (ROA) | 1.02% |
| Return on Equity (ROE) | 10.49% |
| Net Interest Margin | 3.66% |
| Efficiency Ratio | 75.48% |
| Tier 1 Risk-Based Capital Ratio | 16.701% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.23% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.044% |
| Earning Assets to total Assets | 89.22% |
Income and Expense
| Total Interest Income | $18.10M |
| Total Noninterest Income | $3.14M |
| Total Interest Expense | $4.39M |
| Total Noninterest Expense | $12.71M |
| Net Interest Income | $13.70M |
| Pre-tax Net Operating Income | $5.11M |
| Provision for Credit Losses | $-974,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $30.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.61M |
| Total Liabilities and Capital | $1.67B |
Securities
| Securities | $553.03M |
| Available-for-sale debt securities | $525.64M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $27.58M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Kitsap Bank?
$1.67B as of the latest filing.
How much are Kitsap Bank's total deposits?
$1.43B in total deposits.
Where is Kitsap Bank located?
Port Orchard, WA.
What is the Net Interest Margin?
3.66%.
How many domestic offices does it operate?
18.
When was it established?
08/08/1908.
What is the Return on Assets (ROA)?
1.02%.
How much are total loans and leases?
$893.79M (latest filing).
What is the total interest income (latest filing)?
$18.10M.