Vitals
  • Total Assets
    307.1M 7.7 %
  • Total Deposits
    265.9M 4.9 %
  • Total Net Loans
    202.0M 5.5 %
  • Net Income
    2.7M -1.4 %
  • Book Value
    26.1M 6.7 %
  • Book Value x2
    52.3M 6.7 %
  • Book Value x3
    78.4M 6.7 %
ROAA

.906

ROAE

10.612

Efficiency Ratio

58.669

Net Interest Margin

3.281

Balance Sheet Highlights
Financial Highlights The Gratz Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 307,146 784,148
Total Net Loans 201,982 559,183
Total Deposits 265,945 637,080
Total Equity 26,134 81,247
Profitability
Net Income 2,722 6,303
Return on Average Assets .906 .785
Return on Average Equity 10.612 7.431
Net Interest Margin 3.281 3.473
Efficiency Ratio 58.669 69.514
Noninterest Income/Revenue 12.317 18.146
Balance Sheet Ratios
Loan-to-Deposit 75.949 86.432
Securities/Assets .193 .178
Total Equity/Total Assets .085 .104
Tangible Equity/Tangible Assets .077 .094
Capital Adequacy
Tier 1 Common Capital 24,001 72,881
Tier 1 Capital 24,001 73,172
Tier 2 Capital 1,739 6,143
Total Capital 25,740 79,518
Total Risk Weighted Assets 182,694 578,873
Leverage Ratio 7.92 9.899
Common Equity Tier 1 Capital Ratio 13.14 13.811
Tier 1 Capital Ratio 13.14 13.878
Total Capital Ratio 14.09 15.103

Timeline for The Gratz Bank

The First National Bank Of Minersville

Acquisition: The Gratz Bank acquired a new subsidiary, The First National Bank Of Minersville, 9 years

View Profile Mar 28 2015

Liberty Savings Bank, F.S.B.

Acquisition: The Gratz Bank acquired a new subsidiary, Liberty Savings Bank, F.S.B., 10 years

View Profile Mar 29 2014

The Herndon National Bank

Acquisition: The Gratz Bank acquired a new subsidiary, The Herndon National Bank, 13 years

View Profile Aug 06 2011

Gnb Financial Services, Inc.

Gnb Financial Services, Inc. became a new parent organization for The Gratz Bank.

View Profile Oct 01 1986

The Gratz Bank

The Gratz Bank was established 90 years ago and is currently headquartered in Gratz, PA.

Nov 03 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Minersville Seller 78,045 Acquisition Discontinued 3/28/2015
Liberty Savings Bank, F.S.B. Seller 23,469 Acquisition Discontinued 3/29/2014
The Herndon National Bank Seller 28,944 Acquisition Discontinued 8/6/2011
Relationships Role Relationship Start Relationship End
Gnb Financial Services, Inc. Parent 10/1/1986
Similar Organizations
Organization City State Total Assets
First Bank
 		Clewiston FL 309.5M
Mechanics & Farmers Bank
 		Durham NC 310.0M
Mariners Bank
 		Edgewater NJ 310.7M
First Citrus Bank
 		Tampa FL 305.8M
Municipal Trust And Savings Bank
 		Bourbonnais IL 305.2M
Grinnell State Bank
 		Grinnell IA 305.1M
Guardian Bank
 		Valdosta GA 304.7M
Premierbank
 		Fort Atkinson WI 303.4M
Damascus Community Bank
 		Damascus MD 314.4M
Gateway Bank Of Florida
 		Daytona Beach FL 301.3M