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
Two Harbour Place
Portsmouth, NH 03802

Optima Bank & Trust Company is headquartered in Portsmouth and is the 10th largest bank in the state of New Hampshire. It is also the 1,676th largest bank in the nation. It was established in 2008 and as of September of 2016, it had grown to 68 employees at 5 locations. Optima Bank & Trust Company's CD rates are 17% 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
Employees68
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD6.73%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$409.9MM$353.5MM
LoansQ3 2016vs Q3 2015$327.5MM$298.7MM
DepositsQ3 2016vs Q3 2015$371.5MM$311.4MM
Equity CapitalQ3 2016vs Q3 2015$28.3MM$25.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.6MM$2.2MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$1.9MM$2.0MM
Real Estate OwnedQ3 2016vs Q3 2015$0$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
0.30%*$100k*-Health Savings Account (HSA)
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $100k
0.25%--Statement Savings Account
0.25%--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
1.30%$1k-18 Month CD
1.30%$1k-18 Month Business CD
1.11%$1k-24 Month CD
1.11%$1k-24 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
2.10%$1k-60 Month IRA
1.90%$1k-48 Month IRA
1.41%$1k-36 Month IRA
1.30%$1k-18 Month IRA
1.11%$1k-24 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 CompanyTwo Harbour PlacePortsmouth, NH 03802
Portsmouth Branch20 International DrivePortsmouth, NH 03801
Bedford Branch99 South River RoadBedford, NH 03110