🏦Bank Scorer

This institution is no longer active

Operations ceased on July 19, 2004. CRA examination history below reflects the period it was active.

CHARTER BANK AND TRUST CO.

MARIETTA, GA · Supervised by FDIC

Est. 1989FDIC #27,440RSSD: FDIC-27440
Part ofSYNOVUS FINANCIAL CORP→ View all charters
Outstanding Same

Current rating · Exam: October 1999

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.04%

Institution Profile

FDIC BankFind

Address

269 Roswell Street, MARIETTA, GA

County

Cobb County

Established

February 3, 1989

Total Assets

$299M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 1, 1999

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 26 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 Q2 2004Call Report / FDIC

Total Assets

$299M

Total Deposits

$250M

Net Loans

$224M

Net Income

$2M

ROA

1.04%

ROE

13.03%

Risk-Based Capital

10.84%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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