🏦Bank Scorer

This institution is no longer active

Operations ceased on January 31, 2026. CRA examination history below reflects the period it was active.

KITSAP BANK

PORT ORCHARD, WA · Supervised by FDIC

Est. 1908FDIC #6,161RSSD: FDIC-6161
Part ofOLYMPIC BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.92%

Institution Profile

FDIC BankFind

Address

619 Bay St, PORT ORCHARD, WA

County

Kitsap County

Established

August 8, 1908

Total Assets

$1.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.4B

Net Loans

$888M

Net Income

$15M

ROA

0.92%

ROE

9.95%

Risk-Based Capital

15.65%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate26.19%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.4B

1-Year Change

+1

5-year net change: -3 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202412666.67%26.19%
202315255.26%31.58%
202222464.29%22.77%
202138070%15.26%
202047367.44%18.82%
201929850.34%34.90%
201840155.11%27.68%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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