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Overview / Commentary
619 Bay Street
Port Orchard, WA 98366

Kitsap Bank is headquartered in Port Orchard and is the 10th largest bank in the state of Washington. It is also the 647th largest bank in the nation. It was established in 1908 and as of September of 2017, it had grown to 283 employees at 22 locations. Kitsap Bank has an A health rating.

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Reviews (1)

Best Banking Experience Ever

I've gone through my fair share of banks, as many people have. Never have I had an account make so much sense as the one opened at Kitsap Bank. There aren't many branches, so convenience may be a little less than desired, but you definitely pay for convenience when you do get it. Kitsap's numbers and mine match up every time, and when I have a fee, I actually understand it. I'm very happy with my account, which is a Free Checking account. While there is a fee for receiving a paper statement, it's very simple to opt in to e-statements for a truly free experience.


Health Grade Components

FDIC Certificate #6161
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD11.13%
Annual Interest Income$31.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.16B$1.15B
LoansQ3 2017vs Q3 2016$627.7MM$598.7MM
DepositsQ3 2017vs Q3 2016$1.02B$1.01B
Equity CapitalQ3 2017vs Q3 2016$125.2MM$125.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$7.1MM$6.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$216.00K$301.00K
Real Estate OwnedQ3 2017vs Q3 2016$571.00K$937.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Kitsap Bank Savings Account Rates

0.85%*$20k*-Health Savings Account
OTHER TIERS: 0.01% Up to $1k | 0.05% $1k - $2,500 | 0.20% $2,500 - $5k | 0.40% $5k - $10k | 0.60% $10k - $20k
0.01%--Statement Savings
0.01%--Business Statement Savings

Kitsap Bank Money Market Rates

0.05%*$100k*-Money Market Plus
OTHER TIERS: 0.03% Up to $100k
0.05%*$100k*-Business Money Market Plus
OTHER TIERS: 0.03% Up to $100k
0.03%--Premium Fund
0.03%--Business Marketfund
0.03%--Business Premium Fund

Kitsap Bank Checking Account Rates

0.01%--Smart Choice Checking
0.01%--Legends Checking

Kitsap Bank CD Rates

1.00%$500-60 Month CD
1.00%$500-Business 60 Month Term Certificate
0.40%$500-48 Month CD
0.40%$500-Business 48 Month Term Certificate
0.30%$500-36 Month CD
0.30%$500-Business 36 Month Term Certificate
0.25%$500-18 Month CD
0.25%$500-24 Month CD
0.25%$500-30 Month CD
0.25%$500-Business 18 Month Term Certificate
0.25%$500-Business 24 Month Term Certificate
0.25%$500-Business 30 Month Term Certificate
0.10%$500-12 Month CD
0.10%$500-Business 12 Month Term Certificate
0.05%$500-32 Day CD
0.05%$500-60 Day CD
0.05%$500-90 Day CD
0.05%$500-6 Month CD
0.05%$500-9 Month CD
0.05%$500-Business 32 Day Term Certificate
0.05%$500-Business 60 Day Term Certificate
0.05%$500-Business 90 Day Term Certificate
0.05%$500-Business 6 Month Term Certificate
0.05%$500-Business 9 Month Term Certificate
0.03%$500-6 Month Variable Rate CD
0.03%$500-Business 6 Month Variable Rate CD