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This institution is no longer active

Operations ceased on February 7, 2005. CRA examination history below reflects the period it was active.

MONOGRAM CREDIT CARD BANK OF GEORGIA

ALPHARETTA, GA · Supervised by FDIC

Est. 1988FDIC #27,276RSSD: FDIC-27276
Outstanding Same

Current rating · Exam: February 2003

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Strong

ROA 13.60%

Is this bank safe?

MONOGRAM CREDIT CARD BANK OF GEORGIA earned an Outstanding CRA rating (2003), is financially strong (ROA +13.60%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

4125 Windward Plaza Drive, ALPHARETTA, GA

County

Fulton County

Established

June 27, 1988

Total Assets

$4.8B(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

February 1, 2003

Exam Type

Wholesale/Limited Purpose

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 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 Q4 2004Call Report / FDIC

Total Assets

$4.8B

Total Deposits

$744M

Net Loans

$3.6B

Net Income

$577M

ROA

13.60%

Above avg for Community banks. Peer avg: 0.90%

ROE

55.65%

Risk-Based Capital

24.66%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

ROA13.60%Peer avg: 0.90%▲ Above avg
Risk-Based Capital24.66%Peer avg: 12.91%▲ Above avg

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

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Feb 2003OutstandingWholesale/Limited Purpose
Jul 1999OutstandingWholesale/Limited Purpose
Nov 1996OutstandingSmall Bank

2 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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