Optima Bank & Trust Company

Overview / Commentary
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 1,351st largest bank in the nation. It was established in 2008 and as of December of 2018, it had grown to 85 employees at 7 locations. Optima Bank & Trust Company's savings rates are 3X the national average, and it has an A health rating.

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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 Grade Components

FDIC Certificate #58699
Year Established2008
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD7.88%
Annual Interest Income$20.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$531.6MM$495.9MM
LoansQ4 2018vs Q4 2017$458.8MM$417.2MM
DepositsQ4 2018vs Q4 2017$495.0MM$458.5MM
Equity CapitalQ4 2018vs Q4 2017$35.0MM$31.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$3.2MM$3.1MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$716.00K$1.2MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

2.00%$500-Community Savings
1.75%*$25k*-Premium Savings - New Money
OTHER TIERS: 0.15% Up to $25k
1.25%*$25k*-Premium Business Savings
OTHER TIERS: 0.25% 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 Statement Savings

Optima Bank & Trust Company Money Market Rates

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

0.65%*-$10kNon-Profit Interest Checking
OTHER TIERS: 0.10% $100k+ | 0.25% $10k - $100k
0.50%*-$10kInterest Checking Account
OTHER TIERS: 0.10% $100k+ | 0.25% $10k - $100k

Optima Bank & Trust Company CD Rates

2.25%$1k-5 Month CD
2.25%$1k-Business 5 Month CD
2.00%$1k-60 Month CD
1.90%$1k-Business 60 Month CD
1.75%$1k-48 Month CD
1.65%$1k-36 Month CD
1.65%$1k-Business 48 Month CD
1.55%$1k-Business 36 Month CD
1.40%$1k-18 Month CD
1.40%$1k-24 Month CD
1.30%$1k-12 Month CD
1.05%$1k-Business 24 Month CD
0.95%$1k-Business 18 Month CD
0.90%$1k-Business 12 Month CD
0.70%$1k-9 Month CD
0.70%$1k-Business 9 Month CD
0.40%$1k-90 Day CD
0.30%$1k-Business 90 Day CD
0.30%$1k-60 Day CD
0.25%$1k-7-29 Day CD
0.25%$1k-30 Day CD
0.20%$1k-Business 60 Day CD
0.15%$1k-Business 7-29 Day CD
0.15%$1k-Business 30 Day CD

Optima Bank & Trust Company IRA Rates

2.25%$1k-5 Month IRA
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

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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