This institution is no longer active

Operations ceased on April 18, 2019. CRA examination history below reflects the period it was active.

OPTIMA BANK & TRUST COMPANY

PORTSMOUTH, NH · Supervised by FDIC

Est. 2008FDIC #58,699RSSD: FDIC-58699

Satisfactory Same

Current rating · Exam: September 2016

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Is this bank safe?

OPTIMA BANK & TRUST COMPANY holds a Satisfactory CRA rating (2016), meets basic financial requirements (ROA +0.47%).

Institution Profile

FDIC BankFind

Address

143 Daniel Street, PORTSMOUTH, NH

County

Rockingham County

Established

January 29, 2008

Total Assets

$534M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2016

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 9 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2019Call Report / FDIC

Total Assets

$534M

Total Deposits

$472M

Net Loans

$471M

Net Income

$624K

ROA

0.47%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.06%

Risk-Based Capital

11.22%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.47%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.22%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate3.19%Peer avg: 6.90%▼ Fewer than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	94	75.53%	3.19%
2018	374	82.89%	6.42%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2016	Satisfactory	Intermediate Small Bank
Jul 2013	Satisfactory	Small Bank
Jun 2010	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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