🏦Bank Scorer

This institution is no longer active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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

7.06%

Risk-Based Capital

11.22%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate3.19%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20199475.53%3.19%
201837482.89%6.42%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 2010

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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