Fees from its schedule are under review and appear here once review is done.
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Total assets
Q4 2025, quarter end
FDIC call report data · Dec 31, 2025
Revenue
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge income
Q4 2025, one quarter
FDIC call report data · Dec 31, 2025
Service-charge share of revenue
59th percentile; peer median 2.2%
FDIC call report data · Dec 31, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Mar 11, 2026
Call-report figures are for Kitsap Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FDIC BankFind Suite (call report data) ASSET | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Revenue | Revenue (net interest + noninterest income) One quarter, as reported | FDIC BankFind Suite (call report data) NIMQ + NONIIQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge income | Service charges on deposit accounts One quarter, as reported | FDIC BankFind Suite (call report data) ISERCHGQ | Q4 2025 Quarter ended Dec 31, 2025 | Oct 4, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 887 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q4 2025 Quarter ended Dec 31, 2025 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Kitsap Bank's published fee schedule; Bank Fee Index medians | Current schedule | Mar 11, 2026 |
Service-charge income by quarter
Q3 2023 to Q4 2025, standalone quarters
Service charges were 2.7% of revenue, above the 2.2% median of 887 banks with $1B to $10B in assets (59th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $431K in Q4 2025, 2.7% below the same quarter a year earlier ($443K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Kitsap Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q1 2024 to Q4 2025, standalone quarters · 64 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q4 2025 | $431K | +$3K | +0.7% |
| Q3 2025 | $428K | −$13K | −2.9% |
| Q2 2025 | $441K | +$5K | +1.1% |
| Q1 2025 | $436K | −$7K | −1.6% |
| Q4 2024 | $443K | +$25K | +6.0% |
| Q3 2024 | $418K | −$19K | −4.3% |
| Q2 2024 | $437K | −$15K | −3.3% |
| Q1 2024 | $452K | −$3K | −0.7% |
Financial cohort: 912 banks with $1B to $10B in assets filing for Q4 2025; 887 reported a share above 0% and are counted, Kitsap Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Kitsap Bank by share.
They stay out of every comparison until review is done.
per month
per item
per item
per item
per item
per item
per item
per item · per hour
per item · for each bill paid over 15 per cycle
varies · Up to 15 bills per cycle
per item · expires in 6 months
per item
per item
per item
per item · Contact your Kitsap Banker
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Return Mail (audience not stated, treated as personal) | $10 | per month | None |
Overdraft & NSFUnder review | |||
| Balance Watch Automatic Transfer (audience not stated, treated as personal) | $10 | per item | None |
ATM & CardUnder review | |||
| Cash withdrawal from all account at Non-Kitsap Bank/Non-Allpoint Network Machine (audience not stated, treated as personal) | $2 | per item | None |
| VISA International Service Assessments (ISA) exchange fee (audience not stated, treated as personal) | Not stated | per item | None |
Wire TransfersUnder review | |||
| Non-Canadian Foreign Draft/Check Collection (audience not stated, treated as personal) | $25 | per item | None |
Cash & DepositUnder review | |||
| Depository Bags - Zipper Vinyl Bags (audience not stated, treated as personal) | $3 | per item | None |
Account ServicesUnder review | |||
| Emergency drilling of box (audience not stated, treated as personal) | $175Not compared: Box drilling or key fee | per item | None |
| Safe Box Annual Rent 3 x 10 (audience not stated, treated as personal) | $55 | per year | None |
| Safe Box Annual Rent 5 x 5 (audience not stated, treated as personal) | $40 | per year | None |
Other feesUnder review | |||
| Instant Statements (audience not stated, treated as personal) | $5 | per item | None |
| Research Time (audience not stated, treated as personal) | $50 | per item | per hour |
| Small Business Online Banking with Bill Pay - Fee for each bill over 15 per cycle (audience not stated, treated as personal) | $0.40 | per item | for each bill paid over 15 per cycle |
| Small Business Online Banking with Bill Pay - Up to 15 bills per cycle (audience not stated, treated as personal) | $5.95 | varies | Up to 15 bills per cycle |
| Stop Payment (audience not stated, treated as personal) | $32 | per item | expires in 6 months |
| Wire Transfers - Domestic Incoming (audience not stated, treated as personal) | $14 | per item | None |
| Wire Transfers - Domestic Outgoing (audience not stated, treated as personal) | $25 | per item | None |
| Wire Transfers - International for Consumers Incoming (audience not stated, treated as personal) | $14 | per item | None |
| Wire Transfers - International for Consumers Outgoing (audience not stated, treated as personal) | Not stated | per item | Contact your Kitsap Banker |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Mar 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Kitsap Bank operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $1.4B in branch deposits (June 2025)
Each dot is one office.
Largest markets by deposits
| 10 | $884.1M | |
| Outside a metro area | 5 | $319.7M |
| 2 | $178.5M |
Bremerton-Silverdale-Port Orchard, WA
20.7% of bank deposits, #2 of 13, up 0.9 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Bank of America, National Association | 23.6% |
| JPMorgan Chase Bank, National Association | 18.1% |
| Wells Fargo Bank, National Association | 9.9% |
| Columbia Bank | 6% |
| U.S. Bank National Association | 4.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2025. Deposits are booked at the branch as of June 30.
In Bremerton-Silverdale-Port Orchard, WA, Kitsap Bank holds 20.7% of bank deposits, #2 of 13, with 10 offices.
65 offices of 19 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2025 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2025. FDIC-insured offices only; credit unions are not included.
8 of 13 institutions shown. $4.3B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2025.
Position over time, 2010 to 2025
June 2025: 20.7% share, 10 offices, #2 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2025.
Credit unions, reported separately
21 offices of 6 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows