Kitsap Bank: Bank Stress & Real-Estate Credit Exposure
FDIC Certificate #6161 · Port Orchard, WA. This institution (Kitsap Bank) no longer appears in the current FDIC branch and deposit filings (#6161) that DLRadar scores; FDIC records the last Kitsap Bank day as a separately insured institution (#6161) as January 31, 2026. FDIC event for Kitsap Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-31). DLRadar last scored Kitsap Bank (#6161) on September 20, 2026. The Kitsap Bank facts below are its last recorded footprint (#6161), kept as a permanent Kitsap Bank public record; the Kitsap Bank figures are not refreshed.
Kitsap Bank (#6161) carried no scored branch footprint (Kitsap Bank) in the FDIC filings DLRadar reads; the Kitsap Bank record exists because FDIC certificate 6161 was a separately insured Kitsap Bank institution in Port Orchard, WA, last seen by DLRadar (#6161) on September 20, 2026.
What the Kitsap Bank (#6161) record holds: FDIC certificate 6161 for Kitsap Bank, closed as a separate Kitsap Bank charter on January 31, 2026; successor Heritage Bank (FDIC #29012) carries the Kitsap Bank footprint forward; FDIC event for Kitsap Bank: Participated in Absorbtion/Consolidation/Merger (2026-01-31); Kitsap Bank (#6161) first entered DLRadar on September 20, 2026.
How Kitsap Bank (#6161) was scored while active: the Kitsap Bank stress score read FDIC call-report financials (#6161) and the Summary of Deposits branch file for Kitsap Bank, mapped Kitsap Bank branches to counties and ZIP codes (#6161), and weighted the Kitsap Bank real-estate loan concentration against its peers; the Kitsap Bank (#6161) figures on this page are the last such Kitsap Bank run and are not refreshed.
Kitsap Bank (#6161) net interest margin 3.57% against an eight-quarter Kitsap Bank (#6161) average of 3.46% (Kitsap Bank (#6161) compression -0.11 points); Kitsap Bank (#6161) rate-exposure score 40/100, Kitsap Bank (#6161) fixed-rate trap 40/100; Kitsap Bank (#6161) risk type credit driven; Kitsap Bank (#6161) rate regime rates elevated, Kitsap Bank (#6161) snapshot May 27, 2026.
Kitsap Bank (#6161) is chartered in Port Orchard, WA; FDIC lists Kitsap Bank (#6161) as inactive, succeeded by Heritage Bank.
Why this Kitsap Bank page exists: bank identities are historical data (#6161). When an institution such as Kitsap Bank merges or its charter ends, DLRadar keeps the Kitsap Bank profile so citations, links and the Kitsap Bank score history stay resolvable (#6161), and points Kitsap Bank to the successor where the FDIC records one. Every Kitsap Bank figure traces to public FDIC data (#6161).