Is Kitsap Bank Safe?
Kitsap Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (50/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.56% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 37.65% | 100/100 |
| Return on Assets | 0.76% | 50/100 |
| Total Assets | $1.7B | |
How does Kitsap Bank compare?
With a Bank Health Score of 95/100, Kitsap Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Washington, where 30 FDIC-insured banks are headquartered, Kitsap Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 15.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Kitsap Bank's Bank Health Score held roughly steady at 95/100. Tier 1 capital weakened by 0.54 percentage points to 15.56%.
Kitsap Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (50/100).