American Marine Bank: Rex Townsend has been AMB’s president and CEO since 1998. Chartered in 1948 by Louis H. Goller, AMB has two offices on Bainbridge Island, and branches in Poulsbo, Port Ludlow, Seattle, and will begin building one in Silverdale in October. AMB Financial Services Corporation, AMB’s parent organization formed in 1997, acquired Silverdale State Bank in April 2000. Spokesperson Debbie Anderson says AMB offers free business checking accounts and they have the only Trust and Investment department in Kitsap County. AMB is headquartered at 255 Winslow Way on Bainbridge Island and can be reached at (206) 842-5651, or via their new web site at americanmarinebank.com

Bank of America: Originally known as Seafirst Bank, BoA operates seven branches throughout Kitsap County. Branch locations include Bremerton, Silverdale, Port Orchard, Bainbridge Island and Poulsbo. Several of the branches were originally purchased from American Marine Bank in 1989. Bank of America offers both commercial and consumer banking services. The Port Orchard branch has a full service currency exchange service and is one of only a handful of area banks to offer Canadian draft services. Bill Wallace manages the Port Orchard branch, (360) 876-4471.

Columbia Bank: Columbia Bank is headquartered in Tacoma and has 35 branches. President and CEO is Melanie Dressel. The Kitsap branch is located in Port Orchard at the intersection of Hwy. 16 and Sedgwick Road and is managed by Rob Putas. His assistant is Lynda Neshem. Columbia Bank is growing and has opened seven new branches in the past year. Columbia’s web address is www.columbiabank.com, or reach the Kitsap Branch at (360) 876-8384.

Key Bank: Robert Gillespie is the president of Key Bank. Keycorp is Key Bank’s Cleveland-based parent organization. Key Bank is a full-service commercial bank with four locations in Kitsap County - one each in Port Orchard and Silverdale, and two in Bremerton. Ms. Kim Kerlee manages the Port Orchard branch, (360) 876-8004.

Kitsap Bank: Originally chartered in 1908, Kitsap Bank is the county’s oldest and largest community bank. It is headquartered in Port Orchard and has 19 local branches. Jim Carmichael is President. Kitsap Bank operates under the name Olympic Bank in Port Townsend, Sequim, Port Angeles, Bonney Lake and Federal Way. Kitsap Bank’s nationally recognized and award- winning SBA department is one of the largest and most active in the nation. Kitsap Mortgage is their mortgage- lending subsidiary. Contact Kitsap Bank at www.kitsapbank.com, or its Port Orchard branch at (360) 876-7800.

Kitsap Community Federal Credit Union: This began as the Navy Yard Metal Trades Credit Union until expanding to become a full-service credit union. KCFCU is headquartered in Bremerton and operates branches in Port Orchard, Bremerton, Bainbridge Island, Bangor Keyport, Poulsbo, PSNS, Silverdale, and at the Fred Meyer in Silverdale. Earlene Fantz is the senior vice president and chief operations manager. The general information number is (360) 478-2200. Their web site is www.kitsapcreditunion.org.

Frontier Bank: Formerly North Sound Bank until bought out last year by Everett-based Frontier. It has established branches in Poulsbo, Silverdale, Port Townsend, Port Hadlock, Sequim, Port Angeles, and Bainbridge Island. Local managers have a significant degree of lending authority. Recent the Poulsbo branch at (360) 779-4800.

Peninsula Federal Credit Union: Based in Shelton and services all five counties on the peninsula. Kitsap County has branch offices in Port Orchard and Belfair and a loan center in Silverdale. The president and CEO is Barbara Hoag. Kim House manages the Port Orchard branch, 876-8898. Peninsula specializes in mortgage programs and consumer auto loans. Web site: www.pcfcu.org
Silverdale State Bank: Silverdale State Bank was established in 1919. It was acquired by American Marine Bank on April 15, 2000, and in October will become a branch of American Marine Bank. Silverdale’s vice president, Randy Ross says he expects Silverdale’s services to expand as a result, including on-line banking. Rebecca Ashby, President and CEO, is pleased that her bank’s relationship with American Marine will open more opportunities for commercial lending. Contact Mr. Ross at 692-6196.

Pacific Northwest Bank: Organized in 1989 as First National Bank of Port Orchard. Pacific Northwest has branches in Port Orchard, East Bremerton, Gig Harbor, Silverdale and Poulsbo. The Silverdale and Poulsbo branches were formerly Interwest Bank branches. Pacific Northwest Bank was acquired by Interwest Bank in 1998. Patrick Fahey is Interwest’s president and CEO; Leo Bundig is vice president and area manager. Pacific Northwest Bank specializes in commercial and consumer lending and has a mortgage division. Reach the Port Orchard branch at (360) 895-BANK, or find Pacific Northwest Bank at Interwest Bank’s web site: www.interwestbank.com.

Sterling Savings: The bank’s only Kitsap County branch is located on Bainbridge Island. The branch manager is Shaun Stephenson, (206) 842-8676. Two years ago the Sterling Bank purchased 34 branches of Key Bank. Several branches were established in the last year, and Sterling Savings now has a total of 93 branches throughout Washington, Oregon, Idaho and Montana. Sterling Bank’s President is William Zuppe. Sterling offers a full range of commercial and consumer services, including financial services through its Harbor Financial office and mortgage services through Action Mortgage.

Timberland Savings Bank: Headquartered in Hoquiam and currently operating a branch in Poulsbo. The president is Clarence Hamre. Within the past year they’ve opened new branches in Lakewood, Tumwater and Tacoma. Spokesman Keith Baggerly says Timberland Savings expects to add another full-service branch in Silverdale. Construction should begin in October on the corner of Mickleberry and Bucklin Hill Road. The bank offers real estate loans, construction loans, FHA and home improvement loans. The Poulsbo branch can be reached at (360) 308-8824. Timberland’s web site is www.timberlandbank.com.

Viking Bank: Headquartered in Ballard there’s branches in Poulsbo and Fife. A new branch opened January 15 in South Seattle. Its president is Pat Redmond. Joe Riley is Viking Bank’s senior vice president and the Poulsbo branch manager. The bank specializes in SBA loans and business and personal banking. Reach the Poulsbo branch at (360) 394-1701, or their website at www.vikingbank.com.

U.S. Bank: Merging with FirstStar this past February, U.S. Bank’s Washington State main office is in Seattle and is managed is Phyllis Campbell. The parent company, U.S. Bancorp, headquartered in Minnesota. Port Orchard branch is located in the Albertson’s Food Center on Olney Ave. SE. Managed by Josh Spain, the Port Orchard branch is one of five branches in Kitsap County. U.S. Bank specializes in home equity loans and private financial services. Brokerage services are offered through Piper-Jaffrey. Another branch office is located in the Albertson’s at the corner of Sedgewick and Sidney in Port Orchard. To remain competitive, U.S. Bank is intent on improving customer service “We’re in the process of establishing the Five-Star Service Guarantee,” says Mr. Spain, “…we are 100% customer service focused.” U.S. Bank specializes in no-fee home equity loans, and no-fee checking accounts. The Port Orchard branch can be reached at (360) 876-0277. Their web address is www.usbank.com.

Washington Credit Union: A community-chartered credit union, just recently opened its eleventh branch in Poulsbo.
Clay Williams, who has been in the banking industry since 1984 and with WCU since 1999, is the Poulsbo branch manager. “With our growth, we continue to focus on offering quality service to our membership,” he stated.
Washington Credit Union can be reached at (360) 779-4488

Washington Federal Savings: This institution is 84 years old and is headquartered in Seattle. It operates in six states and has 107 branches, two of which are in Kitsap County — in East Bremerton and Poulsbo. Larry Elfendahl manages the Poulsbo branch and Glenda Nichols manages the East Bremerton branch. The bank offers residential loans, custom construction loans, land development loans and personal banking services. Mr. Elfendahl says, “We offer an interest rate modification program, where we could administratively lower your interest rate, and not require any requalification.” The Poulsbo branch can be reached at (360) 779-2111. The web site is www.washfed.com.

Washington Mutual: Today one of the fastest growing banks in the nation, beginning as Washington National Building and Loan Investment Association. The bank was founded in 1889 in Seattle and helped people rebuild after the great Seattle fire. Today, Its subsidiaries provide consumer and commercial banking services, securities brokerage, mutual fund management, property/casualty and life insurance sales, and underwriting for insurance annuities. Washington Mutual operates local branches in Port Orchard, Bremerton, East Bremerton, Poulsbo, Silverdale, Bainbridge Island and Belfair as well as a mortgage loan office in Silverdale. The 24-hour customer service number is (800) 756-8000.

Westsound Bank: President and CEO is Dave Johnson was recently hired form a bank in Colorado. Westsound is a local community bank started in March 1999 by a group of Bremerton businesspeople. It occupies the old People’s Bank building on the corner of 2nd and Pacific in downtown Bremerton. Regarding services, says Mr Johnson, “We are exploring branching opportunities.” He also said, “We’re getting ready to roll out a courier service; we’ll bring the bank to the business person.” Westsound Bank offers owner construction services and business banking. Their phone is 405-1200, or find them on the web at www.westsoundbank.com.

Wells Fargo Bank: It recently purchased the First Interstate Bank branches in Kitsap County and operates branches in Bremerton, Bainbridge Island and Silverdale. It also acquired Norwest Financial, one of the nation’s leading home loan lenders, which has a branch in Silverdale and another in Bremerton. Wells Fargo offers business and commercial banking services as well as personal banking. The main information number is (800) TO-WELLS.