Bank · FDIC insured
Heritage Bank
A $8.4B bank, the 189th largest of 4,207, headquartered in Olympia, WA, with 66 branches in 3 states. Best rates: CDs 3.60% and savings 0.05% APY.
Heritage Bank Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#40 of 62 in Seattle, WA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Bank
- Headquarters
- 201 5th Ave Sw, Olympia, WA 98501
- FDIC certificate
- 29012 ↗
Branches
66 branches in 3 states
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Washington
59 branches
Seattle area · 24
- Smokey Point Branch4220-172nd Street Northeast, Arlington, WA 98223Directions
- Auburn Branch1001 D St Ne, Auburn, WA 98002Directions
- Bellevue Commercial Banking Center Branch10500 Ne 8th St, Bellevue, WA 98004Directions
- Everett Commercial Banking Center Branch2831 Colby Ave, Everett, WA 98201Directions
- Federal Way Branch32303 Pacific Hwy S, Federal Way, WA 98003Directions
- Gig Harbor Branch5119 Olympic Dr, Gig Harbor, WA 98335Directions
- Gig Harbor Branch4714 Point Fosdick Dr, Gig Harbor, WA 98335Directions
- Kent Branch415 W James St, Kent, WA 98032Directions
- Lynnwood Branch19510 58th Ave W, Lynnwood, WA 98036Directions
- Marysville Office1031 State Ave, Marysville, WA 98270Directions
- Mill Creek Branch1504 132nd St Se, Mill Creek, WA 98012Directions
- Mukilteo Branch11832 Mukilteo Speedway, Mukilteo, WA 98275Directions
- Canyon Road Branch12803 Canyon Rd E, Puyallup, WA 98373Directions
- Puyallup Branch4627 S Meridian, Puyallup, WA 98373Directions
- Puyallup East Main Branch1307 E Main, Puyallup, WA 98372Directions
- Downtown Seattle Branch1420 5th Ave, Seattle, WA 98101Directions
- Shoreline Branch20333 Ballinger Way Ne, Shoreline, WA 98155Directions
- Stanwood Branch26317 72nd Ave Nw, Stanwood, WA 98292Directions
- Sumner Branch1005 Wood Ave, Sumner, WA 98390Directions
- Allenmore Branch1722 S Union Ave, Tacoma, WA 98405Directions
- Downtown Tacoma Branch909 A St, Tacoma, WA 98402Directions
- Lakewood Branch10318 Gravelly Lake Dr Sw, Tacoma, WA 98499Directions
- Tacoma Branch1498 Pacific Ave, Tacoma, WA 98402Directions
- Tacoma Mall Blvd5801 Tacoma Mall Blvd, Tacoma, WA 98409Directions
Bremerton area · 8
- Bainbridge Island Branch10140 Ne High School Rd, Bainbridge Island, WA 98110Directions
- 6th And Warren Branch1000 6th St Ste 300, Bremerton, WA 98337Directions
- East Bremerton Branch3425 Wheaton Way, Bremerton, WA 98310Directions
- Kingston Branch8190 Ne State Highway 104, Kingston, WA 98346Directions
- Bethel Branch3324 Bethel Rd Se, Port Orchard, WA 98366Directions
- South Park Village Branch1700 Village Ln Se, Port Orchard, WA 98366Directions
- Poulsbo Branch19725 7th Ave Ne, Poulsbo, WA 98370Directions
- Silverdale Branch10488 Silverdale Way Nw, Silverdale, WA 98383Directions
Oak Harbor area · 5
- Camano Island Branch165 Mcelroy Dr, Camano Island, WA 98282Directions
- Coupeville Branch401 N Main St, Coupeville, WA 98239Directions
- Freeland Branch5590 Harbor Ave, Freeland, WA 98249Directions
- Langley Branch105 1st St, Langley, WA 98260Directions
- Oak Harbor Branch450 Sw Bayshore Dr, Oak Harbor, WA 98277Directions
Olympia area · 4
- Heritage BankMain office201 5th Ave Sw, Olympia, WA 98501Directions
- Lacey Branch4400 Pacific Ave Se, Lacey, WA 98503Directions
- West Olympia Branch900 Cooper Point Rd Sw, Olympia, WA 98502Directions
- Tumwater Branch850 Trosper Rd Sw, Tumwater, WA 98512Directions
Mount Vernon area · 3
- Anacortes Branch2202 Commercial Ave, Anacortes, WA 98221Directions
- Burlington Branch1800 S Burlington Blvd, Burlington, WA 98233Directions
- Mount Vernon Branch1700 Urban Ave, Mount Vernon, WA 98273Directions
Yakima area · 3
- Toppenish Branch537 W 2nd Ave, Toppenish, WA 98948Directions
- Downtown Yakima Branch301 W Yakima Ave, Yakima, WA 98902Directions
- Union Gap Branch2205 S 1st St, Yakima, WA 98903Directions
Shelton area · 2
- Belfair Branch24180 Ne State Route 3, Belfair, WA 98528Directions
- Shelton Branch301 E Wallace Kneeland Blvd, Shelton, WA 98584Directions
Bellingham area · 2
- Bellingham Branch265 York St, Bellingham, WA 98225Directions
- Northwest Avenue Branch920 W Bakerview Rd, Bellingham, WA 98226Directions
Port Angeles area · 2
- Port Angeles Branch716 E Front St, Port Angeles, WA 98362Directions
- Sequim Branch1320 W Washington St, Sequim, WA 98382Directions
Port Townsend area · 2
- Port Hadlock Branch69 Oak Bay Rd, Port Hadlock, WA 98339Directions
- Port Townsend Branch2313 E Sims Way, Port Townsend, WA 98368Directions
Friday Harbor area · 1
- Friday Harbor Branch535 Market St, Friday Harbor, WA 98250Directions
Longview area · 1
- Longview Branch927 Commerce Ave, Longview, WA 98632Directions
Spokane area · 1
- Spokane Commercial Banking Center Branch201 W North River Dr, Spokane, WA 99201Directions
Portland area · 1
- Vancouver Branch700 Washington St, Vancouver, WA 98660Directions
Oregon
6 branches
Portland area · 5
- Tanasbourne Branch9515 Ne Windsor St, Beaverton, OR 97006Directions
- Hillsboro Branch314 E Main St, Hillsboro, OR 97123Directions
- Lloyd Office1201 Ne Lloyd Blvd, Portland, OR 97232Directions
- Portland Branch1000 Sw Broadway, Portland, OR 97205Directions
- Tigard Commercial Banking Center Branch10300 Sw Greenburg Rd, Portland, OR 97223Directions
Eugene area · 1
- Eugene Branch3011 N Delta Hwy, Eugene, OR 97408Directions
Idaho
1 branch
- Boise Commercial Banking Center Branch250 S 5th Street, Boise, ID 83702Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.23% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.27% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.05% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalLeverage ratio10.23%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.05%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.