🏦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This institution is no longer active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

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

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%

Above avg for Small banks. Peer avg: 0.44%

ROE

13.03%

Risk-Based Capital

10.84%

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).

ROA1.04%Peer avg: 0.44%▲ Above avg
Risk-Based Capital10.84%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Oct 1999OutstandingSmall Bank
Oct 1996OutstandingSmall Bank
Oct 1994OutstandingNot Reported

2 previous ratings locked — back to 1990

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/722061e4-5349-4724-a2b7-a6478414badf"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: