About Us

Mission, Vision And Core Values

We set the standard for excellence in Community Banking. We're committed to knowing our customers and communities, so we can provide them with innovative solutions that help meet their financial goals and achieve their dreams. We deliver the best banking experience anywhere, with a home town's touch.


Through service, leadership and strong financial performance, we...

  • Put our resources to work strengthening communities and supporting local business.
  • Deliver banking services that support customer convenience and choice
  • Attract, develop and retain phenomenal talent who love their jobs and love where they live.

Core Values

Community: With a deep sense of appreciation and responsibility to the communities we serve, we work towards improving the life and experience of others through our contributions and volunteer activities.

Excellence: We take personal ownership in our company and its future success, and are willing to put our full heart and mind into being the best.

Collaboration: Recognizing that we are stronger and more effective when we work together, we actively foster healthy internal and external partnerships to accomplish our mission.

Integrity: We are committed to honesty, respect, fairness and straightforwardness in our communication and conduct, so that we can earn the trust and confidence of our community and take pride in where we work.

Accountability: We take individual responsibility for meeting and exceeding professional and ethical standards for employee and customer relations, fiscal management, and operational soundness.

Our History

First Federal is the only locally owned and managed savings bank on the North Olympic Peninsula. We opened our doors in 1923 under the name of Lincoln Savings and Loan. As time went on many things changed: Our name, our size, and the ever-growing list of products and services that we offer. We know you will find that our commitment to our communities, to our customers, and to our staff has remained strong.

We made our first home loan on April 18, 1923, for $500.00. The proud new owners had a payment of $10.82 per month, wood heat, no electricity and no indoor plumbing!

During the lean times of the 1930's we continued to pay dividends to our savings accounts and to make the loans which contributed to the stability and growth of our communities.

In the 1940's, First Federal sold war bonds and made money available to returning veterans through the Soldier's and Sailor's Civil Relief Act.

In 1961, the Hood Canal Bridge opened, as did First Federal's downtown office. We have remodeled that branch as part of the Downtown Port Angeles Revitalization Project.

The Port Angeles pier and waterfront were dedicated in 1980 and the Sequim Branch Library opened in 1983. During those years, First Federal was busy growing along with the financial needs of the area. We are one of the few mutually owned financial institutions in the State of Washington. Our reason for existence is to supply the community with a safe and sound bank where we encourage savings and invest those savings by making loans to you and your neighbors. This philosophy, and business style has helped people prosper in our community for over 91 years.

Today we are nine branches strong, serving Clallam, Jefferson and Kitsap Counties from Forks to Port Townsend to Poulsbo. In addition, in August we opened a lending center in Bellingham. First Federal is rooted in the values and traditions that have strengthened our communities, and to this day continues its commitment to provide the best in financial services and community support, because we are community people!


2013 Board Of Directors
Back Row: Cindy Finnie, David Flodstrom, Lloyd Eisenman, Richard Kott, Norman Tonina, Joyce Ruiz
Front Row: Jennifer Zaccardo, Stephen Oliver - Chairman, Larry Hueth, Dave Blake, Craig Curtis (not pictured)

First Federal Board of Directors

  • Stephen Oliver, Chairman
  • Dave Blake, Vice-Chairman
  • Craig Curtis
  • Lloyd J. Eisenman
  • Cindy Finnie
  • David T. Flodstrom
  • Larry J. Hueth
  • Richard Kott
  • Norman Tonina
  • Jennifer Zaccardo

First Federal Officers

Chairman, Board of Directors Stephen Oliver
Vice Chairman, Board of Directors David Blake
President and Chief Executive Officer Larry Hueth
Executive Vice President/Chief Credit Officer Chris Donohue
Executive Vice President/Chief Operations Officer Jeff Davis
Executive Vice President/Chief Banking Officer Kelly Liske
Executive Vice President/Chief Financial Officer/Treasurer Regina M. Wood
Senior Vice President/Chief People Officer Elaine T. Gentilo
Senior Vice President/Chief Administrative Officer/Corporate Secretary Joyce L. Ruiz
Senior Vice President/Chief Information Officer Brett Bies
Senior Vice President/Chief Risk Officer/Compliance and BSA Officer Ed Brady
Vice President/Loan Systems Manager Stacy Buell
Vice President/Business Intelligence and System Applications Manager Michelle Catton
Vice President/Retail Operations Manager Lisa Due
Vice President/Operations-Electronic Delivery Manager Tyanna Gadbaw
Vice President/Loan Servicing Manager Jackie Gold
Vice President/Employee Compensation and Employment Manager Dawn Green
Vice President/Internal Audit Manager Gloria S. Hacko
Vice President/Organizational Learning and Development Manager Diane M. Harrison
Vice President/Commercial Relationship Manager Dwight Jeppson
Vice President/Marketing and Corporate Communications Manager Jeanine Lee
Vice President/Commercial Relationship Manager John A. Locke
Vice President/Compliance Manager Dawn Luchsinger
Vice President/Special Assets Manager Kammah L. Morgan
Vice President/Credit Administrator James Preston
Vice President/Controller Christie Sharpe
Vice President/Facilities Manager Kent A. Sommerfeld
Vice President/Business Development Officer Laurie M. Szczepczynski
Vice President/Director of Retail Banking Dawnya A. Textor
Vice President/Mortgage and Consumer Credit Manager Kendra C. Waggoner
Vice President/Secondary Market Manager Teresa K. Ward
Vice President/Director of Lending Donn Wiley
Assistant Vice President/Sequim Village Branch Manager Anthony Aceto
Assistant Vice President/Mortgage Loan Underwriter Shaila C. Allen
Assistant Vice President/Senior Human Resource Specialist Vickie Blanton
Assistant Vice President/Compliance Specialist Anna M. Coburn
Assistant Vice President/Sixth Street Branch Manager Brad Hardy
Assistant Vice President/Information Security Officer Paula S. Johnson
Assistant Vice President/Mortgage Loan Underwriter Roberta A. Lang
Assistant Vice President/Loan Officer NMLS# 413364 Kathi Larsen
Assistant Vice President/Port Townsend Branch Manager Laurie N. Liske
Assistant Vice President/Administration Drive Up, Downtown, Eastside Branch Manager Jesse Long
Assistant Vice President/Commercial Relationship Manager Jon P. Murock
Assistant Vice President/Loan Officer NMLS# 162954 Julie Myers
Assistant Vice President/Senior Commercial Credit Underwriter Kasi O'Leary
Assistant Vice President/Chief Appraiser Lisa J. Pluard
Assistant Vice President/Sequim Avenue Branch Manager Christine M. Rookard
Assistant Vice President/IT Supervisor Travis Russell
Assistant Vice President/Loan Officer NMLS# 463131 Shawnee Spencer
Assistant Vice President/Silverdale Branch Manager KristiAnn Stecker
Assistant Vice President/Loan Officer NMLS# 413367 Terri M. Wood
Assistant Vice President/Commercial Credit Underwriter Sarah Wyant


Annual Reports

2013 Annual Report

2014 Annual Report 


Press Releases

First Federal Supports NatureBridge
First Federal Announces Appointment of Business Development Officer

First Federal Receives EDC Recognition
First Federal Announces Member Approval of Conversion 
First Federal Announces New Branch Manager in Port Angeles
First Federal Announces Results of Stock Offering; Extends Voting Period for Members
First Federal Announces Universal Banker in Silverdale
Donation to VIMO's Capital Budget
YMCA Power of Community
First Northwest Bancorp To Commence Stock Offering As Part Of First Federal Of Port Angeles' Mutual To Stock Conversion 

First Federal Welcomes new Bank Operations Officer
Tyanna Gadbaw Interim Bank Operations Officer
KristiAnn Stecker New Branch Manager Silverdale
Olympic Peninsula Humane Society

YMCA Power of Community Campaign
Craig Curtis Board Member
Welcome Back Shawnee Spencer
Kathi Larsen Affiliate
Anthony Aceto Sequim Village Branch Manager
Habitat for Humanity and First Federal
Steve Oliver Chairman & Dave Black Vice Chairman
Julie Myers Port Townsend
Norman Tonina Board Member
Sarah Wyant Commercial Relationship Manager


  • PO Box 351
    105 West Eighth Street
    Port Angeles, WA 98362
    Routing #: 325170848
    Phone #: (360) 457-0461

  • FDIC
  • Equal Housing Lender