Featured Savings Rates
Featured Accounts

Optima Bank & Trust Company

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
2.10%5-year CD60 Month CD
1.05%1-year CD12 Month CD
0.25%SavingsStatement Savings Account

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

Optima Bank & Trust Company is headquartered in Portsmouth and is the 9th largest bank in the state of New Hampshire. It is also the 1,614th largest bank in the nation. It was established in 2008 and as of March of 2017, it had grown to 74 employees at 5 locations. Optima Bank & Trust Company's savings rates are 44% higher than the national average, and it has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #58699
Year Established2008
Employees74
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD3.44%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$437.8MM$378.6MM
LoansQ1 2017vs Q1 2016$366.0MM$318.9MM
DepositsQ1 2017vs Q1 2016$399.1MM$329.4MM
Equity CapitalQ1 2017vs Q1 2016$29.3MM$26.2MM
Loan Loss AllowanceQ1 2017vs Q1 2016$2.8MM$2.5MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.1MM$1.5MM
Real Estate OwnedQ1 2017vs Q1 2016$173.00K$0
Rates
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* 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
0.75%--Statement Savings Special
0.75%--Business Statement Savings Special
0.30%*$100k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $100k
0.25%$100-Statement Savings Account
0.25%$100-Commercial Statement Savings Account

Optima Bank & Trust Company Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $100k
0.30%*$100k*-Commercial Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $100k

Optima Bank & Trust Company Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Interest Checking Account
OTHER TIERS: 0.10% Up to $100k
0.25%*$100k*-Commercial Interest Checking Account
OTHER TIERS: 0.10% Up to $100k

Optima Bank & Trust Company CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$1k-60 Month CD
2.10%$1k-60 Month Business CD
1.90%$1k-48 Month CD
1.90%$1k-48 Month Business CD
1.41%$1k-36 Month CD
1.41%$1k-36 Month Business CD
1.25%$1k-24 Month CD
1.25%$1k-24 Month Business CD
1.15%$1k-18 Month CD
1.15%$1k-18 Month Business CD
1.05%$1k-12 Month CD
1.05%$1k-12 Month Business CD
0.55%$1k-6 Month CD
0.55%$1k-6 Month Business CD
0.45%$1k-90 Day CD
0.45%$1k-90 Day Business CD
0.30%$1k-60 Day Business CD
0.30%$1k-60 Day CD
0.25%$1k-7-29 Day CD
0.25%$1k-7-29 Day Business CD
0.25%$1k-30 Day Business CD
0.25%$1k-30 Day CD

Optima Bank & Trust Company IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-60 Month IRA
2.00%$1k-48 Month IRA
1.50%$1k-36 Month IRA
1.25%$1k-24 Month IRA
1.15%$1k-18 Month IRA
1.05%$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