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Overview / Commentary
32 West Market Street
Gratz, PA 17030

The Gratz Bank is headquartered in Gratz and is the 136th largest bank in the state of Pennsylvania. It is also the 3,000th largest bank in the nation. It was established in 1934 and as of March of 2014, it had grown to 38 employees at 5 locations. The Gratz Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Gratz Bank had $941,000 in non-current loans and owned real-estate with $27.15 million in equity and loan loss allowances on hand to cover it. This gives The Gratz Bank a Texas Ratio of 3.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for The Gratz Bank experienced no significant changes from 0.82% as of March 31, 2013 to 3.47% as of March 31, 2014, resulting in a negative change of 324.73%. This indicates that the balance sheet and financial strength for The Gratz Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, The Gratz Bank has increased its total deposits by $23.13 million, resulting in 15.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Gratz Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Gratz Bank has $205.85 million in assets with $27.15 million in equity, resulting in a capitalization level of 13.19%, which is excellent.

Institution Statistics

FDIC Certificate #14863
Year Established1934
Primary RegulatorFDIC
Assets and Liabilities
Assets$205.85 million
Loans$140.59 million
Deposits$177.12 million
Equity Capital$25.61 million
Loan Loss Allowance$1.54 million
Unbacked Noncurrent Loans$854,000
Real Estate Owned$87,000
Historic Data - March 2013
Assets$182.54 million
Equity Capital$24.65 million
Loan Loss Allowance$1.45 million
Unbacked Noncurrent Loans$854,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets1.16%
Return on Equity8.86%
Interest Income$1.85 million
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The Gratz Bank Savings Account Rates

0.50%$25-Automatic Club Account
0.25%$25-Statement Savings Account
0.25%$25-Payment Book Club Account
0.25%$25-Variable IRA Savings Account

The Gratz Bank Checking Account Rates

0.10%$200-Regular Checking Account
0.10%--Pay As You Go Checking Account
0.10%$700-Now Account
0.10%$700-Super Now Account
0.10%$700-Tiered Checking Account

The Gratz Bank CD Rates

1.30%$500-6 Year CD
1.15%$500-5 Year CD
0.90%$500-48 Month CD
0.65%$500-36 Month CD
0.50%$500-30 Month CD
0.45%$500-24 Month CD
0.40%$500-18 Month CD
0.35%$500-12 Month CD
0.20%$500-6 Month CD

The Gratz Bank IRA Rates

1.30%$500-6 Year Premium IRA
1.15%$500-5 Year Premium IRA
0.90%$500-48 Month Premium IRA
0.65%$500-36 Month Premium IRA
0.50%$500-30 Month Premium IRA
0.45%$500-24 Month Premium IRA
0.40%$500-18 Month Premium IRA
0.35%$500-12 Month Premium IRA
0.20%$500-6 Month Premium IRA

The Gratz Bank Locations
Valley View Branch1625 West Main StreetValley View, PA 17983
The Gratz Bank32 West Market StreetGratz, PA 17030
Herndon Office Branch4231 State Route 147Herndon, PA 17830