First Sound Bank (OTCMKTS:FSWA) is a Washington state-chartered community bank headquartered in Poulsbo, Washington. Established in the early 2000s, the bank provides a full suite of commercial and consumer banking solutions designed to serve local businesses, nonprofits and individuals across the Puget Sound region. As a member of the Federal Deposit Insurance Corporation, First Sound Bank focuses on relationship-based banking, emphasizing personalized service and local decision-making processes.
First Sound Bank offers commercial and real estate lending, including term loans, lines of credit, construction and development financing, and equipment leases. Its consumer banking line includes residential mortgages, home equity lines of credit, personal installment loans and deposit accounts such as checking, savings and money market accounts. The bank also provides treasury management services, merchant card processing and enhanced digital banking platforms that allow clients to manage cash flow, payments and account access through online and mobile channels.
Serving Kitsap and surrounding counties, First Sound Bank has a network of branch offices in communities such as Poulsbo, Bainbridge Island and Port Orchard, with additional customer support available through its digital channels. The bank’s regional focus extends into King and Snohomish counties, where it partners with developers, small businesses and nonprofit organizations to provide tailored financial solutions. First Sound Bank leverages local market knowledge and community connections to support economic growth throughout the Puget Sound corridor.
Since its founding, First Sound Bank has maintained strong ties to its community through board-level engagement, local sponsorships and financial education initiatives. The institution’s board of directors comprises seasoned business professionals and community leaders, while its executive management team brings decades of regional banking experience. This leadership structure underpins the bank’s commitment to prudent risk management, responsive customer service and strategic growth, ensuring First Sound Bank continues to meet the evolving needs of its clients.
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