Whatcom and Skagit Lenders

Lending to Businesses in Whatcom and Skagit Counties

For the last 50 years, we’ve focused on helping our customers succeed. We’re committed to taking the time for your business, whether that means making a banking house call, opening an account in record time, or committing to decision-making that is fast, flexible, and designed around your circumstances.

We’re here to stay, and here to help.

Our  Commercial Lending team members will happily help you with all your banking needs, from treasury management to your lending needs: credit lines, equipment, inventory, commercial real estate, and SBA guarantee programs.

Meet Our Lenders!

Reach out, say hello, and let us know how we can help.  Give one of us a call or use the Contact form at the left to set up a meeting or call back.

Jay Johnston
Jay Johnston
VP, Commercial Banking Officer - Whatcom County
P:  360.756.9178  ext. 3026

Jay is a Commercial Lender specializing in business and commercial loans with a focus on manufacturing, professional services, and construction. He enjoys assisting clients in finding solutions to challenging  financing problems that comes with fast growth or early stage companies.


Scott Reid


Scott Reid
VP, Commercial Banking Officer - Whatcom County
P:  360.756.9171  

Scott is a Commercial Real Estate Construction Specialist and is experienced with all sizes of RE construction.


Scott DeGraw

Scott DeGraw
VP, Commercial Banking Officer - Skagit County
P:  360.757.1618  ext. 3119
C:  360.941.1320

In addition to being an experienced commercial lender,  Scott specializes in Agriculture Business Lending. 

Mark Spaulding

Mark Spaulding
VP, Commercial Banking Officer- Whatcom County
P:  360.756.9063

Mark is an experienced C&I lender specializing in asset  based commercial lines of credit, manufacturing, and professional service groups. He also has a strong background in commercial real estate.


Erik WillertErik Willert
VP, Commercial Banking Officer- Whatcom County
P:  360.756.9173

Erik has over 16 years of experience in a variety of finance disciplines including corporate financial planning and analysis (FP&A) budget and action plan development, equipment finance and commercial lending which provides a unique perspective to his clients.


Treasury Management Services

Brian Borghorst Brian Borghorst
VP / Manager, Treasury Services
P:  360.756.9067
C:  360.739.8552

Brian would like to help you take advantage of a wide range of personal and electronic services to allow your business to achieve efficient and cost effective management of  working capital.  Whether it's Merchant Services, ACH Administration, Remote Deposit Capture, Sweeps or Wire Transfers, Brian will help you customize our electronic banking services to meet your specific deposit and payment transaction needs.