The Gratz Bank

Overview / Commentary
32 West Market Street
Gratz, PA 17030

The Gratz Bank is headquartered in Gratz and is the 89th largest bank in the state of Pennsylvania. It is also the 1,916th largest bank in the nation. It was established in 1934 and as of March of 2021, it had grown to 48 employees at 6 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 We also have our payment directly withdrawn from our checking account which allows us further savings in interest.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 - YTD1.07%
Return on Equity - YTD11.69%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$432.3MM$378.0MM
LoansQ1 2021vs Q1 2020$233.1MM$230.6MM
DepositsQ1 2021vs Q1 2020$389.0MM$338.8MM
Equity CapitalQ1 2021vs Q1 2020$39.1MM$33.0MM
Loan Loss AllowanceQ1 2021vs Q1 2020$2.8MM$2.7MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$502.00K$747.00K
Real Estate OwnedQ1 2021vs Q1 2020$0$0

Sorry, we do not have rate data for The Gratz Bank.


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
Trevorton Branch450 West Shamokin StreetTrevorton, PA 17881

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