Bank Branches › Closed and merged banks › Washington › Kitsap Bank
What happened to Kitsap Bank?
Kitsap Bank in Port Orchard, WA (earlier called Kitsap County Bank) merged into Heritage Bank of Olympia, WA on Jan 31, 2026. Heritage Bank is open today.
The chain, step by step
From the day it opened to the bank at the end of the chain today. Each step is one entry in the FDIC's record.
- 1908Kitsap County Bank opens in Port Orchard, WA
- Jun 16, 1987renamed Kitsap Bank
- Jan 31, 2026MERGEDKitsap Bank merged into Heritage Bank of Olympia, WA.FDIC certificate 6161 ends; its business continues under certificate 29012.
- TodayOPEN
Heritage BankMain office Olympia, WA · FDIC certificate 29012 · 67 offices in 3 states on June 30, 2026Every Heritage Bank office → Website on file with the FDIC: www.heritagebanknw.com
If you still have something from Kitsap Bank
A lien that was never released
If a paid-off mortgage, home-equity line or car loan still shows Kitsap Bank as lienholder, start with Heritage Bank. In a merger the surviving bank takes over the other bank's loans, so it is the bank to ask for a recordable lien release; if the loan was sold along the way, it can tell you to whom.
The FDIC says it cannot process lien releases for banks that merged or were acquired without government assistance, which is what the record shows here.
Record the release with the same county office that recorded the original mortgage or deed of trust.
An old account, passbook or CD
Ask Heritage Bank to search for the account under the name Kitsap Bank. A passbook or certificate shows an account existed. It doesn't show the money is still there, and the OCC notes that federal rules require banks to keep most account records for five years.
Accounts nobody touches are eventually turned over to a state. The OCC puts the usual wait at three to five years with no activity, set by each state's law. Search the unclaimed-property program of the state of the owner's last known address on the bank's records, and any other state they lived in. It is free to search and to claim through a state's own site, and MissingMoney.com, an official site of the state administrators' association, searches most states at once.
A safe deposit box
Ask Heritage Bank which branch now holds boxes from the Kitsap Bank office you used. The OCC says a box with no activity for three to five years (the period is set by state statute) is likely treated as dormant, and its contents may be turned over to the state's unclaimed-property program.
Box contents are not covered by FDIC insurance.
Not sure this is your bank?
Many banks shared a name. Match the city and the years above against your paperwork, or search again with the town.
Credit unions were never FDIC-insured and are not in this record; the NCUA credit union lookup covers those. Banks that closed before about 1970 are not in the FDIC's list either.
One caution: banks also sell single branches. If the office you used was sold to a different bank along the way, the account went with the branch, not with this chain. The office list below shows which bank each office reports under now.
This page is drawn from FDIC records and federal guidance. It is not legal advice, and BankBranches is not a bank or a government office. More detail: lien releases · old passbooks and CDs · safe deposit boxes · unclaimed money.
Where the guidance comes from ▾
Its offices in the FDIC deposit reports
40 offices filed under this charter in some year from 1994 on. 16 are still open as of June 30, 2026.
| Office | Now |
|---|---|
| 3324 Bethel Rd SePort Orchard, WA | OpenHeritage Bank |
| 10488 Silverdale Way NwSilverdale, WA | OpenHeritage Bank |
| 4714 Point Fosdick DrGig Harbor, WA | OpenHeritage Bank |
| 3425 Wheaton WayBremerton, WA | OpenHeritage Bank |
| 10140 Ne High School RdBainbridge Island, WA | OpenHeritage Bank |
| 2313 E Sims WayPort Townsend, WA | OpenHeritage Bank |
| 19725 7th Ave NePoulsbo, WA | OpenHeritage Bank |
| 1000 6th St Ste 300Bremerton, WA | OpenHeritage Bank |
| 1498 Pacific Ave, Ste 100Tacoma, WA | OpenHeritage Bank |
| 69 Oak Bay RdPort Hadlock, WA | OpenHeritage Bank |
| 8190 Ne State Highway 104Kingston, WA | OpenHeritage Bank |
| 1700 Village Ln SePort Orchard, WA | OpenHeritage Bank |
| 24180 Ne State Route 3Belfair, WA | OpenHeritage Bank |
| 1320 W Washington StSequim, WA | OpenHeritage Bank |
| 716 E Front StPort Angeles, WA | OpenHeritage Bank |
| 619 Bay StPort Orchard, WA | OpenHeritage Bank |
| 619 Bay StPort Orchard, WA | No longer reported |
| 625 Bay StreetPort Orchard, WA | No longer reported |
| 5209 Pacific Highway EastFife, WA | No longer reported |
| 74 Breaker LanePort Ludlow, WA | No longer reported |
| 7109 Pioneer Way, Pioneer SquareGig Harbor, WA | No longer reported |
| 19371 State Route 410 EastBonney Lake, WA | No longer reported |
| 6733 State Highway 303 NortheastBremerton, WA | No longer reported |
| 1140 Marine DriveBremerton, WA | No longer reported |
| 18343 Highway 3, Allyn CenterAllyn, WA | No longer reported |
| 215 Taylor StreetPort Townsend, WA | No longer reported |
| 736 Lebo BlvdBremerton, WA | No longer reported |
| 990 East Washington Street, Suite FSequim, WA | No longer reported |
| 2500 W. Sims Way, Suite 201Port Townsend, WA | No longer reported |
| 550 Park AveBremerton, WA | No longer reported |
| 100 Bethel AvenuePort Orchard, WA | No longer reported |
| 1700 Mile Hill Dr Bldg 700Port Orchard, WA | No longer reported |
| 21895 Viking Way NWPoulsbo, WA | No longer reported |
| 9960 Silverdale Way, Suites 1 & 2Silverdale, WA | No longer reported |
| 602 East Front StreetPort Angeles, WA | No longer reported |
| 5775 Soundview Drive, Suite 201cGig Harbor, WA | No longer reported |
| 2505 South 320th Street, Suite 140Federal Way, WA | No longer reported |
| 2630 Scorpion & Barbel StBremerton, WA | No longer reported |
| 10950 N.E. State Highway 104Kingston, WA | No longer reported |
| 2100 Sheridan RoadBremerton, WA | No longer reported |
Banks folded into Kitsap Bank
4 banks merged directly into this charter.
| Bank | Ended |
|---|---|
| Fife Commercial BankFife, WA | Sep 18, 2015 |
| Westsound BankBremerton, WA | May 8, 2009 |
| MarinerBankPort Townsend, WA | Dec 1, 2006 |
| Northwestern Bank, National AssociationBremerton, WA | Jan 14, 1997 |
Source: FDIC BankFind institution and history records, read Nov 15, 2026. The FDIC's list covers banks that ended in about 1970 or later. Look up certificate 6161 in the FDIC BankFind Suite to see the government's own entry. Corrections: me@byclaude.net.