Overview / Commentary
603-433-9600
143 Daniel Street
Portsmouth, NH 03801

Optima Bank & Trust Company is headquartered in Portsmouth and is the 7th largest bank in the state of New Hampshire. It is also the 1,401st largest bank in the nation. It was established in 2008 and as of June of 2018, it had grown to 79 employees at 6 locations. Optima Bank & Trust Company's savings rates are 3X the national average, and it has a B+ health rating.

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Premium Savings, 2.00% APY, $25K+ - 3/29/2018

Optima B&T has added a new Premium Savings account that pays 2.00% APY on balances of $25k+. Balances of less than $25k earn 0.15% APY. Requires new money and a checking relationship.

Quick Look At 9-Month CD,1.50% APY - 10/26/2017

9-month CD, 1.50% APY, $1k minimum deposit. 9th largest NH bank, 5 branches in Portsmouth and Manchester area.

Reviews (1)

Optima Bank & Trust , Portsmouth NH

Posted by: ela6157 | Jan 19, 2018

Thank you so much for all of your help in securing our loan for our new home. You were thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you, and you most definitely came through for us.
We also had the pleasure of working with Kelly Greeke, she was VERY helpful and professional.
Thank you for your patience as well as treating us as people rather than just home loan customers. Your team stands above the rest, Robert P. Gagnon! Our hats off to you!!

Ela and Mike Wyka.



Health
B+

Health Grade Components

Overall
FDIC Certificate #58699
Year Established2008
Employees79
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD8.11%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$510.3MM$442.7MM
LoansQ2 2018vs Q2 2017$438.5MM$383.5MM
DepositsQ2 2018vs Q2 2017$474.2MM$405.1MM
Equity CapitalQ2 2018vs Q2 2017$32.4MM$29.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.2MM$2.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.5MM$1.8MM
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Optima Bank & Trust Company; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Optima Bank & Trust Company Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$500-Community Savings
1.75%*$25k*-Premium Savings - New Money
OTHER TIERS: 0.15% Up to $25k
0.25%$100-Statement Savings Account
0.25%*$100k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $100k
0.15%$100-Business Savings

Optima Bank & Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k
0.15%*$25k*-Commercial Money Market Account
OTHER TIERS: 0.10% Up to $25k

Optima Bank & Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*-$10kInterest Checking Account
OTHER TIERS: 0.10% $100k+ | 0.25% $10k - $100k
0.65%*-$10kNon-Profit Interest Checking
OTHER TIERS: 0.10% $100k+ | 0.25% $10k - $100k

Optima Bank & Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month CD
1.90%$1k-60 Month Business CD
1.75%$1k-48 Month CD
1.65%$1k-36 Month CD
1.65%$1k-48 Month Business CD
1.55%$1k-36 Month Business CD
1.40%$1k-18 Month CD
1.40%$1k-24 Month CD
1.30%$1k-12 Month CD
1.05%$1k-24 Month Business CD
0.95%$1k-18 Month Business CD
0.90%$1k-12 Month Business CD
0.70%$1k-9 Month CD
0.70%$1k-9 Month Business CD
0.45%$1k-6 Month CD
0.40%$1k-90 Day CD
0.40%$1k-6 Month Business CD
0.30%$1k-90 Day Business CD
0.30%$1k-60 Day CD
0.25%$1k-7-29 Day CD
0.25%$1k-30 Day CD
0.20%$1k-60 Day Business CD
0.15%$1k-7-29 Day Business CD
0.15%$1k-30 Day Business CD

Optima Bank & Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month IRA
1.75%$1k-48 Month IRA
1.65%$1k-36 Month IRA
1.15%$1k-24 Month IRA
1.05%$1k-18 Month IRA
1.00%$1k-12 Month IRA
0.55%$1k-6 Month IRA
Locations


Optima Bank & Trust Company Locations
Stratham Branch17 Portsmouth AvenueStratham, NH 03885
North Hampton Branch26 Lafayette RoadNorth Hampton, NH 03862
Optima Bank & Trust Company143 Daniel StreetPortsmouth, NH 03801
Portsmouth Branch20 International DrivePortsmouth, NH 03801
Bedford Branch99 South River RoadBedford, NH 03110
Dover Branch920 Central AvenueDover, NH 03820

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