Kitsap Bank
Port Orchard, WA · Cert 6161 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 17 branches
Q4 2025
$1.7BAssets
$897.4MLoans
$1.4BDeposits
$146.2MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks $1B-$10B in assets (rank 95 of 285).
- Widest gap: efficiency ratio trails 89% of banks $1B-$10B in assets (rank 259 of 290).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.93%
Rank 202 of 290
Net Interest Margin
3.16%
Rank 167 of 290
Efficiency Ratio
74.50%
Rank 259 of 290
Equity / Assets
8.84%
Rank 230 of 290
Non-interest income vs. expense
Unfavorable gap of $35.6M · efficiency ratio beats 11% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.82% | 1.09% | 1.41% | Beats 30% | 202 / 290 | |
| Return on Equity | 10.51% | 8.13% | 10.66% | 13.08% | Beats 49% | 149 / 290 | |
| Net Interest Margin | 3.16% | 2.88% | 3.29% | 3.78% | Beats 42% | 167 / 290 | |
| Efficiency Ratio | 74.50% | 53.68% | 60.39% | 67.05% | Beats 11% | 259 / 290 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.49% | 0.91% | Beats 96% | 12 / 284 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.81% | 11.51% | 13.02% | 15.09% | Beats 72% | 81 / 290 | |
| Total Risk-Based Capital Ratio | 15.65% | 12.39% | 13.96% | 16.08% | Beats 72% | 82 / 290 | |
| Equity / Assets | 8.84% | 8.94% | 10.29% | 11.70% | Beats 21% | 230 / 290 | |
| Liquidity & Funding |
| Loans / Deposits | 62.54% | 75.96% | 87.95% | 95.87% | 7th pctl | 263 / 284 | |
| Loans / Assets | 54.27% | 65.27% | 74.16% | 79.94% | 7th pctl | 263 / 284 | |
| Brokered Deposits / Deposits | 0.00% | n/a | 2.14% | 8.99% | Beats 100% | 95 / 285 | |