# OPTIMA BANK&TRUST CO
PORTSMOUTH, NH · FDIC certificate 58699 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $534.5M | |
| Deposits | $471.8M | |
| Loans and leases | $474.3M | |
| Total equity | $35.7M | |
| Loans / deposits | 99.83% (p86 of band) | 84.98% |
| Liquid assets / assets | 8.74% (p3 of band) | |
| Uninsured deposits / deposits | 26.40% (p66 of band) | 21.58% |
| Brokered deposits | 5.35% | |
| Wholesale funding | 10.24% (p75 of band) | |
| FHLB advances / assets | 4.68% | |
| Tier 1 leverage | 6.68% (p1 of band) | 10.59% |
| Unrealized securities loss / equity | -0.84% (p36 of band) | -0.32% |
| AOCI / equity | 0.06% (p11 of band) | |
| ROA (annualized) | 0.47% (p10 of band) | 1.08% |
| Net interest margin | 2.88% (p8 of band) | 3.73% |
| Efficiency ratio | 78.26% (p83 of band) | |
| Noncurrent loans | 0.14% (p20 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 481.75% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 109.11% (p93 of band) | |
| Auto loans | $53,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **leverage <7%** (`cap_low`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 4 | brokered >10%, wholesale funding >15% |  |
| 2012-03 | 2 |  | brokered >10%, wholesale funding >15% |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | uninsured deposits leaving |  |
| 2013-12 | 3 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2015-12 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 4 | leverage <7%, construction >100% equity | wholesale funding >15% |
| 2016-12 | 2 | wholesale funding >15% | capital falling, leverage <7%, construction >100% equity |
| 2017-03 | 3 | leverage <7% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | construction >100% equity |  |
| 2017-12 | 5 | capital falling |  |
| 2018-03 | 4 |  | construction >100% equity |
| 2018-06 | 2 |  | wholesale funding >15%, capital falling |
| 2018-09 | 2 | liquid assets <10% | brokered >10% |
| 2018-12 | 3 | brokered >10%, construction >100% equity | liquid assets <10% |
| 2019-03 | 3 | liquid assets <10% | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58699 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/11.json (key "58699", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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