Vitals
  • Total Assets
    427.4M 15.9 %
  • Total Deposits
    390.9M 18.2 %
  • Total Net Loans
    340.0M 8.9 %
  • Net Income
    2.1M 1.5 %
  • Book Value
    29.0M 13.0 %
  • Book Value x2
    58.1M 13.0 %
  • Book Value x3
    87.1M 13.0 %
ROAA

.535

ROAE

7.725

Efficiency Ratio

72.318

Net Interest Margin

3.006

Balance Sheet Highlights
Financial Highlights Optima Bank & Trust Company All Insured Commercial Banks in New Hampshire
Balance Sheet $(000)
Total Assets 427,391 453,836
Total Net Loans 339,978 337,757
Total Deposits 390,861 390,246
Total Equity 29,038 50,613
Profitability
Net Income 2,101 2,544
Return on Average Assets .535 -.127
Return on Average Equity 7.725 3.323
Net Interest Margin 3.006 3.221
Efficiency Ratio 72.318 96.062
Noninterest Income/Revenue 12.543 8.904
Balance Sheet Ratios
Loan-to-Deposit 86.982 86.416
Securities/Assets .053 .127
Total Equity/Total Assets .068 .112
Tangible Equity/Tangible Assets .067 .1
Capital Adequacy
Tier 1 Common Capital 29,253 46,328
Tier 1 Capital 29,253 49,662
Tier 2 Capital 2,697 3,785
Total Capital 31,950 53,447
Total Risk Weighted Assets 282,584 348,393
Leverage Ratio 7.04 13.792
Common Equity Tier 1 Capital Ratio 10.35 16.952
Tier 1 Capital Ratio 10.35 17.357
Total Capital Ratio 11.31 18.347

Timeline for Optima Bank & Trust Company

Optima Bank & Trust Company

Optima Bank & Trust Company was established 16 years ago and is currently headquartered in Portsmouth, NH.

Jan 29 2008
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
Northeast Bank
 		Minneapolis MN 406.7M
Peoples Bank & Trust
 		Pana IL 406.4M
First Minnesota Bank
 		Minnetonka MN 405.6M
Security State Bank
 		Centralia WA 416.6M
Legacy Bank
 		Hinton OK 418.2M
Gold Coast Bank
 		Islandia NY 400.4M
The Bank Of South Carolina
 		Charleston SC 409.7M
R Bank
 		Round Rock TX 410.7M
The Western State Bank
 		Garden City KS 424.2M
St. Louis Bank
 		Town And Country MO 408.6M