Eastside Commercial Bank

What Eastside Commercial Bank does

Eastside Commercial Bank, N.A. is a nationally chartered community bank headquartered in Bellevue, Washington, founded in 2002. The institution operates as a full-service community bank with a single branch location, serving small businesses and professionals in the Eastside Seattle / Puget Sound region. It is FDIC-insured and operates under a national bank charter, providing deposit, lending, and merchant services to its target market. The bank maintains a relationship-based, sales-led go-to-market model built on direct community outreach rather than digital acquisition channels.

The bank's product suite spans consumer and commercial banking. Deposit products include business and personal checking, savings accounts, certificates of deposit, and IRAs. Lending products include SBA 7(a) and 504 loans, commercial real estate loans, operating lines of credit, and equipment loans. Service offerings include merchant services, remote deposit capture, online banking, and bill pay. The technology footprint appears standard for a small community bank — conventional online banking, bill pay, and remote deposit capture — with no evidence of proprietary digital platforms, AI/ML capabilities, or advanced analytics infrastructure.

Eastside generates revenue across four primary streams: personal banking services, business banking services, merchant services, and deposit products, with economics driven primarily by net interest margin on loans and deposits, supplemented by fee income. With a headcount of 11–50 employees and operations consolidated at the Sunset Corporate Campus on the north side of I-90, the bank's scale and footprint are consistent with a small community bank focused on relationship lending and local deposit gathering rather than scale-driven competition.

Name

Eastside Commercial Bank

Legal name

Eastside Commercial Bank, N.A.

Website

https://eastsidecommercialbank.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Eastside Commercial Bank is a nationally chartered community bank headquartered in Bellevue, Washington, offering deposit accounts, SBA loans, commercial real estate loans, and merchant services to small businesses and professionals in the Eastside Seattle market.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Community banking services
• Small business banking
• Commercial lending
• SBA loans
• Personal banking products

Headquarters

HQ city

Bellevue

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Personal Banking Services: Interest income from personal loans, home equity products, and lines of credit. Fee income from checking account maintenance, overdraft services, and debit card transactions.
2. Business Banking Services: Revenue from commercial loans including SBA 7a and 504 loans, commercial real estate financing, operating lines of credit, and equipment loans. Fee income from business checking accounts with item-based pricing.
3. Merchant Services: Debit and credit card processing services for business merchants, providing transaction fee revenue
4. Deposit Products: Certificates of deposit, money market accounts, and savings accounts generating interest expense while providing funding for lending operations

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Eastside Commercial Bank is a full-service nationally chartered community bank that provides business and personal deposit accounts (checking, savings, money market, CDs, IRAs), commercial lending (SBA 7a and 504, commercial real estate, operating lines, equipment), consumer lending (lines of credit, home equity), and merchant card processing services. Its deposits are loaned back into the Bellevue, WA community, and products are delivered through a relationship-based banker model supplemented by online banking, Remote Deposit Capture, and Business Bill Pay.

Product overview

Eastside Commercial Bank is a full-service national bank offering a focused portfolio of banking products designed for small businesses and professionals. The core offering consists of Business and Personal account lines, each with checking, savings, and loan variants. Business products include SBA 7a and 504 Loans, Commercial Real Estate Loans, and Merchant Services. Personal products include checking, savings, money market, CDs, and home equity products. The bank supplements its account offerings with digital services including Online Banking, Business Bill Pay, and Remote Deposit Capture. All accounts include FDIC insurance and personal relationship-based service with assigned bankers.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking Accounts Business checking account packages (Preferred Checking for small businesses, Business Checking for active businesses, Checking for associations and non-profits, and Business Checking plus interest) with online banking, bill-pay service, Visa photo debit card, FDIC deposit insurance, and item-based fee structures. Target customers are local small businesses and non-profits.
• Business Loans and Lines (SBA, Commercial Real Estate, Operating Lines, Equipment) Commercial lending products including SBA 7a and 504 loans, commercial real estate loans, operating lines of credit, and equipment loans, underwritten locally by the bank's experienced SBA lenders. Target customers are small businesses needing growth, working capital, real estate, or equipment financing.
• Business Savings Accounts and Certificates of Deposit Business savings products including Business Money Market with tiered rates, Business Savings with no monthly maintenance fee, Business Certificates of Deposit, and IRA options. Target customers are small businesses and non-profits looking to hold short- or long-term deposits at a local bank.
• Merchant Services Payment processing services enabling business merchants to accept debit and credit card payments via web-based and phone sales channels, generating transaction-fee revenue for the bank. Target customers are small business merchants.
• Personal Checking Accounts Personal checking accounts including Plain Old Checking with unlimited check-writing and Visa photo debit card, Checking plus interest with tiered earnings, and 50+ Checking for customers 50 years and older with no minimum balance. No monthly maintenance fee with low minimum balance requirements. Target customers are individuals, professionals, and seniors in the Bellevue, WA area.
• Personal Savings and Certificates of Deposit Personal savings products including Personal Money Market with competitive tiered rates, Personal Savings with low minimum balance, Youth Savings for children under 18, Certificates of Deposit, and Traditional, Roth, Education and SEP IRAs. Target customers are individuals, families, and retirees seeking FDIC-insured deposit and retirement products.
• Personal Loans and Lines Personal lending products including unsecured Lines of Credit and Home Equity Loans and Lines, designed for consumers needing short-term liquidity or home-secured borrowing from a local bank. Target customers are individual consumers and homeowners.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights1 record

Direct peers

• Sound Community Bank: Sound Community Bank (Sound Financial Bancorp) is a Seattle-area community bank serving small businesses and consumers with personal and commercial banking products, very closely mirroring Eastside Commercial Bank's SMB-focused relationship model in the same geographic market.
• Heritage Bank: Heritage Bank (Heritage Financial Corporation) is a Pacific Northwest community bank headquartered in Burlington, WA, providing SBA, commercial, and retail banking to small businesses and professionals. Directly comparable in mission, footprint, and product mix.
• First Financial Northwest Bank: First Financial Northwest Bank is a Washington-state community bank operating in the greater Puget Sound region serving small and middle-market businesses with deposit and lending products, directly competing with Eastside Commercial Bank for the same SMB customer base.
• HomeStreet Bank: HomeStreet is a Seattle-headquartered community bank offering SBA lending, commercial, and personal banking services to small businesses and consumers in the Pacific Northwest. Comparable in customer segments, lending products, and geographic focus.

Regional players

• Glacier Bancorp: Glacier Bancomp operates a network of community banks across the Mountain West and Pacific Northwest, including in Washington state, with a similar community-bank operating model and SBA/commercial lending focus. Compares as a larger regional community bank peer.

Broad incumbents

• Wells Fargo: Wells Fargo has a deep Seattle and Eastside branch network and serves as the dominant national incumbent for SMB banking in the Bellevue market, competing with ECB across deposits, lending, and merchant services.
• U.S. Bank: U.S. Bank is a large national commercial bank with strong Pacific Northwest presence, offering SBA lending, commercial, and retail banking products. C. Han Kim, ECB's Area Market Leader, previously led SBA at U.S. Bank, and the two compete directly for SMB deposits and loans in Bellevue.
• KeyBank: KeyBank is a large regional commercial bank with significant Seattle-area commercial and SBA lending operations (Chief Credit Officer Gregg DeRitis was previously SVP at KeyBank's Community Development Banking). Directly competes with Eastside for SMB and CRE relationships.
• JPMorgan Chase: JPMorgan Chase operates a major commercial and retail banking franchise in the Pacific Northwest with broad SBA, deposit, and treasury products. CFO Kenneth K. Lee previously worked at JPMorgan Chase; Chase competes for the same small-business and professional customers ECB targets.
• Bank of America: Bank of America maintains a meaningful Pacific Northwest commercial and retail banking presence and competes for small-business deposits, lending, and merchant services in the Bellevue/Eastside Seattle corridor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eastside Commercial Bank