GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
222
2010–2025
Total Volume
$89M
Gross loan amounts
States Active
1
With recorded loans
Programs
7(a) & 504
222 total segments
Kitsap Bank has a strong focus on 504 loans, making up 26% of their SBA deals, which is higher than the national average of 18%. This is beneficial for borrowers looking for real estate financing.
With an average 7(a) spread of P+2.31%, Kitsap Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of the loan.
The majority of Kitsap Bank's deals are under $350K, with 71 deals in the $0-$150K range and 69 deals in the $150K-$350K range. If you're seeking a larger loan, be aware that they may not be the best fit for amounts over $1M.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 58 504 loans, which use fixed SBA debenture rates.
States where Kitsap Bank has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Retail Trade
Retail Trade
Nursing & Residential Care
Health Care & Social Assistance
Personal Care (Salons, Spas)
Other Services
Specialty Trade Contractors
Construction
Hotels & Accommodation
Accommodation & Food Services
Manufacturing
Manufacturing
+ 7 more
All recorded SBA lending activity for Kitsap Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Washington · Restaurants & Food Service · $150K – $350K | 7(a) | 21 | P+2.60% | $233K | Q3 2024 |
| Washington · Restaurants & Food Service · Under $150K | 7(a) | 15 | P+2.50% | $64K | Q3 2024 |
| Washington · Personal Care (Salons, Spas) · Under $150K | 7(a) | 7 | P+2.75% | $58K | Q1 2023 |
| Washington · Other Repair & Services · Under $150K | 7(a) | 6 | P+2.75% | $53K | Q2 2025 |
| Washington · Restaurants & Food Service · $500K – $1M | 7(a) | 6 | P+1.75% | $713K | Q3 2025 |
| Washington · Nursing & Residential Care · $350K – $500K | 7(a) | 5 | P+2.25% | $413K | Q4 2017 |
| Washington · Physician & Dental Offices · $350K – $500K | 504 | 5 | — | $398K | Q2 2021 |
| Washington · Restaurants & Food Service · $500K – $1M | 504 | 5 | — | $733K | Q2 2025 |
| Washington · Auto Repair & Maintenance · Under $150K | 7(a) | 4 | P+2.13% | $73K | Q1 2024 |
| Washington · Hotels & Accommodation · $150K – $350K | 504 | 4 | — | $270K | Q1 2019 |
| Washington · Manufacturing · Under $150K | 7(a) | 4 | P+2.75% | $79K | Q2 2016 |
| Washington · Retail Trade · $500K – $1M | 504 | 4 | — | $628K | Q1 2021 |
| Washington · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.37% | $441K | Q4 2017 |
| Washington · Physician & Dental Offices · $500K – $1M | 504 | 4 | — | $711K | Q1 2024 |
| Washington · Specialty Trade Contractors · Under $150K | 7(a) | 3 | P+2.00% | $92K | Q1 2025 |
| Washington · General Merchandise · $150K – $350K | 7(a) | 3 | P+2.75% | $198K | Q3 2017 |
| Washington · Physician & Dental Offices · $150K – $350K | 7(a) | 3 | P+2.75% | $309K | Q3 2025 |
| Washington · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.75% | $243K | Q1 2017 |
| Washington · Sporting Goods & Hobby · Under $150K | 7(a) | 3 | P+2.75% | $75K | Q2 2021 |
| Washington · Wholesale Trade · Under $150K | 7(a) | 3 | P+2.75% | $104K | Q2 2018 |
| Washington · Retail Trade · Under $150K | 7(a) | 3 | P+2.25% | $70K | Q1 2022 |
| Washington · Nursing & Residential Care · Under $150K | 7(a) | 3 | P+2.50% | $73K | Q4 2017 |
| Washington · Sporting Goods & Hobby · $150K – $350K | 7(a) | 3 | P+2.75% | $228K | Q2 2021 |
| Washington · Other Professional Services · $150K – $350K | 7(a) | 3 | P+2.25% | $261K | Q3 2018 |
| Washington · General Merchandise · Under $150K | 7(a) | 3 | P+2.75% | $47K | Q2 2019 |
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