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32 West Market Street
Gratz, PA 17030

The Gratz Bank is headquartered in Gratz and is the 101st largest bank in the state of Pennsylvania. It is also the 2,125th largest bank in the nation. It was established in 1934 and as of December of 2017, it had grown to 49 employees at 5 locations. The Gratz Bank has an A health rating.

Reviews (2)

Local friendly banking at its best.

Gratz Bank is our local community bank. They have 4 branches in surrounding areas. We have a checking , savings, and our mortgage through them. Not only is it conveniently located, they tailor their products to the customer. It is nice to go into the branch and they know who you are and call you by name. We wanted to do an addition on our home and we didn't have enough equity so they worked with us on a construction loan and then streamed that into a new mortgage for us. They assured us every step in the process and immediately answered all our concerns. We also have our payment directly withdrawn from our checking account which allows us further savings in interest. I would definitely recommend this bank to everyone for a personable and friendly experience. Banking shouldn't have to be stressful.

Small town friendly

The Gratz bank is a small local bank just outside of town. They have 4 branches. I enjoy doing my banking here. They are not only close and convenient but their customer service is top notch. They know their customers by name and always greet with a friendly smile. They offer many products from a multitude of loans to savings options. If you find yourself in a situation and you don't fit one of their conventional products they work with you to customize the products to your needs. This is something the large banks do not do. We have a mortgage as well as a checking and savings accounts here. Occasionally we do vacation/christmas spending clubs as well. I have never had a negative experience. When my husbands aunt and father passed away within a month of one another, they worked with us to pay off his fathers mortgage and gave us a mortgage on his aunts house to cover that. In that mortgage we had a year to start paying on the mortgage so we had time to get the house sold. Very satisfied and best customer service overall.


Health Grade Components

FDIC Certificate #14863
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.3%
Annual Interest Income$11.2MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$315.5MM$307.1MM
LoansQ4 2017vs Q4 2016$214.3MM$202.0MM
DepositsQ4 2017vs Q4 2016$279.3MM$265.9MM
Equity CapitalQ4 2017vs Q4 2016$27.9MM$26.1MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.0MM$1.7MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$803.00K$1.2MM
Real Estate OwnedQ4 2017vs Q4 2016$0$23.00K
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The Gratz Bank Savings Account Rates

0.25%$25-Automatic Club Account
0.15%$100-Statement Savings Account
0.15%$25-Variable IRA Savings Account

The Gratz Bank CD Rates

2.00%$500-6-10 Year CD
1.85%$500-5 Year CD
1.45%$500-48 Month CD
1.05%$500-36 Month CD
0.65%$500-30 Month CD
0.60%$500-24 Month CD
0.55%$500-18 Month CD
0.35%$500-12 Month CD
0.20%$500-6 Month CD

The Gratz Bank IRA Rates

2.00%$500-6-10 Year Premium IRA
1.85%$500-5 Year Premium IRA
1.45%$500-48 Month Premium IRA
1.05%$500-36 Month Premium IRA
0.65%$500-30 Month Premium IRA
0.60%$500-24 Month Premium IRA
0.55%$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
West Market Street Branch2221 West Market StreetPottsville, PA 17901
260 Sunbury St Br260 Sunbury StreetMinersville, PA 17954