01
Private banking
Accounts on our own balance sheet.
Deposits, payments, foreign exchange, and the premier reserve, run by a banker who releases your wires because he knows your voice.
Private bankingTwo centuries of keeping serious money quiet.
GRH Bank is a balance-sheet bank for a small number of families. Deposits, credit, custody, and a desk that answers, since 1818.
We are slower than our competitors. That is the product.
A bank that answers to a small number of families does not need to be everywhere, or first, or loud. It needs to be solvent, discreet, and reachable at two in the morning. Wealth outlives the people who make it, and so should the bank that keeps it.
We do things differently, on purpose.
Six things a family notices in the first year, in the order they notice them.
01 By introduction, not by application.
New families come to the house through an existing one, or through counsel we have worked with before. The minimum relationship is ten million dollars. We would rather decline early and politely than late and expensively.
02 One banker who knows your voice.
A relationship is assigned to a banker, not a segment. That banker releases your wires, reads your file before you call, and is reachable through the Desk at every hour of the year.
03 Accounts on our own balance sheet.
Deposits sit with the bank that answers the phone, not with a partner institution behind a platform. The premier reserve pays what it says, confirmed in writing at opening and on every statement.
04 Credit written in-house, priced once.
We lend against what a family already owns: portfolios, property, pictures. The loan is underwritten by people who will hold it, priced at the desk, and never resold.
05 Custody under our own roof.
Every asset is held by the bank, reconciled daily against the ledger, and reported on a statement you can read at breakfast and verify against its fingerprint.
06 A memory that goes back to 1818.
The house has cleared every panic since its charter. Most of what we know about money is what we declined to do in the years that later became case studies.
The house, in figures.
As of 30 June 2026. Revised annually, not casually.
- 1818 Chartered in Windsor
- 21.4% Tier 1 capital ratio
- $8.1B Client assets at the last statement
- 4.30% Premier reserve, annual yield
- 24 h The Desk is open, every day of the year
- 9 Bankers on the Desk who know your file
Whom we bank.
Families whose money has to survive a handover, a sale, or a long time.
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Founders after a sale
The months after a liquidity event are when the most expensive mistakes are made. We hold the proceeds, slow the decisions, and structure what comes next.
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Families across generations
Wealth that has already survived one handover and must survive the next. Governance, custody, and a bank the grandchildren will still recognize.
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Executives with concentrated positions
Equity that is most of a balance sheet. Lending against it without selling it, diversifying without a tax bill that undoes the point.
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Family offices and trustees
A counterparty that answers in writing, settles on time, and produces statements an auditor can rely on. Nothing to sell you; everything to hold for you.
The disciplines
Eight things the house does, and nothing else.
02
Lending
Credit against what you already own.
Portfolios, property, pictures. Underwritten in-house by the people who will hold the loan, priced once, never resold.
Lending03
Wealth
A short list of convictions and a long memory.
Discretionary management for families who have already made their money. Turnover is rare, reporting is plain, and nobody is trying to be clever quarterly.
Wealth04
Custody
Every asset under our own roof.
Securities, cash, and the odd thing that does not fit a category, held by the bank and reconciled daily against the ledger.
How custody works05
Statements
The least interesting document we produce.
One statement a month, on paper, signed with a fingerprint you can verify. Written so that it can be read at breakfast without an adviser.
Verify a statement06
Trusts and governance
Arrangements that outlive their authors.
We do not draft the documents. We make sure the documents your counsel drafts are ones a bank can actually execute at three in the morning.
Trusts and governance07
Philanthropy
Giving, administered without ceremony.
Foundations, donor-advised funds, and direct gifts, set up quietly and run by the same desk that runs the rest of the balance sheet.
Philanthropy08
The Desk
A person, at every hour of the year.
Nine bankers who have read your file. A call at any hour reaches one of them, not a menu, and instructions are confirmed in writing before the line goes quiet.
Speak with the DeskA balance-sheet bank, against a platform.
The difference is not the advice. It is who holds the money, who answers, and who remembers.
| Aspect | GRH Bank | A wealth platform |
|---|---|---|
| Your deposits | Held by the bank, on its own balance sheet. | Held by a partner bank you have never met. |
| Who answers | A banker who has read your file.Through the Desk, at every hour of the year. | A queue, then a specialist, then a callback. |
| Credit | Underwritten in-house, priced once, kept. | Referred out, resold, repriced. |
| Custody | Under our own roof, reconciled daily. | A third-party custodian, reported quarterly. |
| Statements | Monthly, on paper, fingerprinted.Verifiable by anyone you choose to show it to. | A dashboard, revised without notice. |
| Products | None. The bank has nothing to sell you. | A shelf, and a quota for the shelf. |
| Fees | Set at the desk, confirmed in writing. | Layered, embedded, and rarely itemized. |
| Memory | Since 1818, including every panic. | Since the last funding round. |
| Scale | A small number of families. | As many as the software allows. |
- Deposits
- Credit
- Custody
- Statements
- Counsel
- The Desk
What we hold. How we hold it.
Everything a family places with the house sits on one ledger, under one roof, reported on one statement.
Letters from the house.
All lettersA house that does not hurry
On patience as an asset class, discipline as the product, and why this house has never chased anything in its life.
Read the letterOn the keeping of quiet money
Discretion is not a courtesy we extend. It is the service itself, and the families who understand this are the ones we were built for.
Read the letterWhat a balance sheet remembers
On balance-sheet banking, the discipline of institutional memory, and why a bank that has cleared every panic since 1818 refuses to forget any of them.
Read the letter
Begin with a conversation.
Relationships begin the old way: a call, a name, a banker. There is no form to fill in tonight.