Penn Liberty Bank
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A Message from Our Founders

Welcome to the Penn Liberty Bank website. Although we distinguish ourselves through extraordinary personalized customer service we also provide a full suite of convenient contemporary web based banking services. As a customer you can conduct your banking through our internet site 24 hours a day to check balances, view check images, transfer funds, pay bills, obtain account statements, open accounts, and access a variety of other valuable services. We are committed to insuring that all of your banking experiences with Penn Liberty exceed your highest expectations, both in person and on-line.

Penn Liberty Bank was founded upon the principle that a well-capitalized, locally owned and operated bank dedicated to the needs of the local community can meaningfully outperform large regional banks managed from outside of this region in terms of friendly personalized service, responsiveness, and commitment to the community.

The key strength of Penn Liberty is its strong, local presence. Our management team and Board of Directors have deep roots in Philadelphia and the surrounding business communities. The core of our professional staff has been working together providing community banking services in this area for over the past two decades. This group has been supplemented by exceptional community bankers from a number of locally focused institutions providing us with a team that will rival that of any financial institution across the region.

The focus of Penn Liberty Bank is to provide a complete array of banking services solely to individuals and organizations located within the Greater Philadelphia region. We invite you to experience the advantages of local management, local knowledge, local decision making, and local service in helping you build your financial foundation.
Please feel free to visit a Penn Liberty branch to meet our experienced staff eager to service your financial needs.

We look forward to serving our local community for the years to come.

Pat Ward, Brian Zwaan and David Griest

  • About Penn Liberty Bank

    Penn Liberty Bank serves the local community by offering a wide array of financial products and services to small and mid-size businesses, professional real estate developers and investors, and retail customers throughout the suburban Philadelphia market place. We offer ten (10) conveniently located retail branch offices serving Chester and Montgomery Counties.

    Commercial lending is the Bank's primary lending focus, with an emphasis on establishing commercial account relationships with businesses based in the Greater Philadelphia Region concentrating on:

    • Locally owned and operated small to mid-sized businesses with revenues of up to $50 million annually; and
    • Locally-based professional real estate developers and investors.

    Our retail banking focus is to service:

    • Business owners and their employees; and
    • Local consumer depositors and borrowers

    Special needs banking focus is extended to:

    •    Not for profit organizations
    •    Professionals in fields such as Accounting, Law, Medical, and Dental
    •    Local investors requiring personalized financial planning and investment allocation strategies

    A key aspect of the our marketing strategy is to operate a service-oriented bank that provides a full range of traditional commercial banking and retail consumer services, primarily to small business, organizations and individual consumers in the market area. In this regard, the Bank offers a full range of products and services including demand deposits, savings, and time accounts from the depository perspective and specialized credit options to satisfy the needs of the small to medium sized businesses within the communities we serve.  The commercial and  consumer customers enjoy convenient access to all services through a strategically situated branch office network, as well as through various alternative delivery mechanisms including internet banking services and automated teller machines.

    We differentiate ourselves from the local competition on the basis of delivering a high level of personalized service.  Our commitment to understand our customers on a personal level enables us to deliver financial solutions best suited for our clients.

  • Mission Statement


    Penn Liberty Bank is a locally owned and managed bank serving businesses, commercial real estate developers as well as individuals in Southeastern Pennsylvania by providing quality financial solutions delivered with high-touch, personal service supported by expert technology.


    Penn Liberty Bank will be the premier commercial bank in the communities we serve.


    We will achieve this mission and vision by our dedication to the following values:

    • Treat our customers as members of the Penn Liberty Bank family and consistently provide superior, personalized service.
    • Support the local communities we serve through corporate financial sponsorship and employee participation in community events.
    • Attract and retain talented, highly motivated employees who possess an innate commitment to service quality by offering a competitive compensation and benefits package and providing advancement opportunities in an atmosphere that promotes respect and teamwork.

    By embracing our mission, vision and underlying values we will create member loyalty and enhance long-term shareholder value.

  • Executive Officers

    WardPatrick J. Ward, Chairman of the Board and Chief Executive Officer of the Company and the Bank. Mr. Ward has over 29 years of banking industry experience and previously served as Executive Vice President of Citizens Bank of Pennsylvania from January 2003 until January 2004, overseeing and managing specialized industries, including Government Banking, Professional Banking and Not-For-Profit Businesses in the Mid-Atlantic region, as well as the Chairman and President of Citizens Bank in Delaware and a member of the Citizens Financial Group Executive Policy Committee. Prior thereto, Mr. Ward served as President and Chief Executive of Commonwealth Bancorp, Inc., the holding company for Commonwealth Bank, until its acquisition by Citizens Bank in January 2003. He joined Commonwealth in 1992 as Senior Vice President and Chief Financial Officer. Under Mr. Ward's leadership, Commonwealth Bank grew to $1.8 billion in assets with 61 branches throughout eastern Pennsylvania. Prior to joining Commonwealth, Mr. Ward held a variety of positions at Mellon Bank in Pittsburgh, Pennsylvania, including Vice President and Controller of Mellon Bank's Wholesale Banking Group and Vice President and Controller of its Retail Banking Group. Mr. Ward is active in the community and serves on the Board of Directors of the Federal Home Loan Bank of Pittsburgh, the Board of Directors of the Philadelphia Police Athletic League, Economics Pennsylvania, the Chester County Chamber Foundation and the Board of Trustees for Cabrini College. Mr. Ward is a graduate of Carnegie Mellon University with a Bachelor of Science degree in economics and earned an MBA from the University of Notre Dame.

    Brian C. Zwaan, President, Chief Operating Officer, and Chief Lending Officer of the Company and the Bank as well as a director. Mr. Zwaan has over 34 years of banking industry experience and previously served as Executive Vice President and Chief Lending Officer of Firstrust Bank, Conshohocken, Pennsylvania from August 2003 until February 2004. Previously, Mr. Zwaan served as Senior Executive Vice President and Chief Lending Officer of Commonwealth Bank from 1997 until its acquisition by Citizens in January 2003. Mr. Zwaan also has previously served in various positions with Citizens Bank, Summit Bank and First Pennsylvania Bank. Mr. Zwaan is active in the community. In 1997, he was awarded the "Distinguished Alumni" award by Archbishop Carroll High School. In 1992, he was highlighted as a "Top 40 under 40" business leader by the Philadelphia Business Journal. In 2012, Mr. Zwaan was recognized by the Paoli Business and Professional Association as Business Person of the Year. In 2014, Brian was recognized by the Archdiocese of Philadelphia receiving the Distinguished Graduate Award.  He serves on the Board of Directors of the Elite Charitable Foundation, The People’s Light & Theater Company, AIM Academy, the Executive Board of Elementary Education for the Philadelphia Archdiocese, the Advisory Board Villa Maria Academy, and the Community Bank Council of the Risk Management Association (RMA). Mr. Zwaan earned his Bachelor of Science in Accounting from Lehigh University and an MBA from Drexel University with a concentration in finance. Mr. Zwaan is a Certified Public Accountant and a member of the Pennsylvania Institute of Certified Public Accountants. He is a long time member of the RMA, previously serving as a Board Member of The Philadelphia Chapter.

    David K. Griest, Executive Vice President and Chief Information Officer of the Company and the Bank as well as a director. Mr. Griest has over 36 years of banking industry experience and previously served employed as Senior Vice President, Relationship Management, of Aurum Technology, Inc. (now part of FIS), a leading provider of products and services for community banks throughout the United States. His primary role at Aurum was to provide daily support services to existing financial institution customers and to manage the eastern region of the national relationship management staff. Prior to that, Mr. Griest served as Executive Vice President and Chief Information Officer
    of Commonwealth Bank until its acquisition in January 2003 where he was responsible for developing and executing the technology strategies for all of the Commonwealth's retail and business channels as well as day to day management for all back-office operational groups including retail and commercial deposits, electronic funds transfer operations, retirement services, facilities, insurance security/loss prevention and call center operations. Prior to joining Commonwealth in 1989, Mr. Griest served as Vice President, Corporate Information Systems and Services Division of Meritor Financial Group (formerly PSFS) where he was responsible for modernizing and maintaining corporate information systems and was responsible for developing and introducing computer processing for consumer and commercial lending and streamlining mortgage banking support. He was also responsible for introducing mainframe and PC-based end-user computing capabilities to over 2,500 employees. Prior to his employment with PSFS, Mr. Griest worked in various positions at Ford Motor Credit Corporation. Mr. Griest has served as a member of the national STAR (formerly MAC) ATM/Debit Card Processing Advisory Council, was a member of the national Digital Insight Internet Banking Council and the Technology Task Force for the Pennsylvania Association of Community Bankers. Mr. Griest earned a Bachelor of Science degree in business finance and management from Widener University and an MBA from St. Joseph's University.

    Ted Aicher, Executive Vice President, Chief Financial Officer and Secretary of the Company and the Bank. Mr. Aicher has over 22 years of banking industry experience and previously served as Senior Vice President and Treasurer of First Federal Bank, Hazelton, Pennsylvania, from December 2003 until June 2004, where he was responsible for all aspects of the treasury function of the publicly traded bank, managed the bank's investment securities portfolio and was a member of the asset/liability and pricing committees and managed the bank's mortgage banking division. Mr. Aicher served as Senior Vice President, Senior Finance Director for Citizens Bank after the acquisition of Commonwealth Bank in January 2003 until December 2003 where he had various corporate finance responsibilities for the Citizens Bank Mid-Atlantic operations. Prior thereto, Mr. Aicher served as Senior Vice President and Treasurer for Commonwealth Bank, where he was responsible for all aspects of Commonwealth's treasury function and managed Commonwealth's investment securities portfolio and the company's exposure to interest rate risk. He also was a key member of the asset/liabilities and pricing committees. Mr. Aicher joined Commonwealth in 1993 and served in various positions starting as Controller of ComNet Mortgage Services, a division of Commonwealth Bank. Mr. Aicher is a Certified Public Accountant and previously was an audit manager with Arthur Andersen & Company. Mr. Aicher earned a Bachelor of Science degree in accounting from LaSalle University. Mr. Aicher serves on the Board of Directors of Hope Springs Equestrian Therapy, Inc., a non-profit organization that provides therapeutic horse riding for children and adults with disabilities.

    James J. Danna, Executive Vice President of Commercial Banking joined Penn Liberty Bank as Senior Vice President of Commercial Banking.  He has over 24 years of commercial banking experience and previously served as Vice President, of Government Guaranteed Lending department at Progress/Fleet National Bank and Bank of America (through mergers) specializing in SBA and USDA loans.  Mr. Danna is well known and respected throughout Bucks, Chester, Delaware, Montgomery and Philadelphia counties.  Jim serves as Secretary for the Advocates for Small Business Board and is a Board Member of the Community Lenders Community Development Corporation (CLCDC).

    Doreen Gregory, Executive Vice President of Human Resources and Retail Banking  has over 28 years of experience in the financial services industry focused mainly in Human Resources.  She has held several positions at Penn Liberty Bank including Vice President of Human Resources and Senior Vice President of Human Resources and Retail Banking.  Prior to joining Penn Liberty Bank, Ms. Gregory served as Assistant Vice President of Employee Benefits and Payroll for Commonwealth Bank until the acquisition by Citizens Bank and assisted with the employee benefits conversion. Doreen is a member of various professional organizations including the Society for Human Resource Management and the Certified Employee Benefits Specialist.     
    She is a graduate of Walden University earning a degree in Business Administration/Human Resources.

    Albert L. Jones, Executive Vice President for Commercial Real Estate Lending has over 21 years of banking industry experience and previously served as Executive Vice President, Commercial Real Estate Lending for Republic First Bank from January 2003 until April 2004 where he was also a member of the senior management loan committee and strategic planning groups. Previously, Mr. Jones was the Group Vice President, Commercial Real Estate Lending for Commonwealth Bank from 1998 until its acquisition in January 2003. At Commonwealth, he formed the commercial real estate department, specializing in investment real estate and construction loans. From 1991 until 1998, Mr. Jones was with Progress Bank serving as Vice President and Commercial Real Estate Lender. He also served as Vice President, Finance, for Pennmark Properties in Norristown, Pennsylvania, and as Controller for Mid-Atlantic Communities in Plymouth Meeting, Pennsylvania. Mr. Jones earned a Bachelor of Science Degree in accounting from Bloomsburg University and is a Certified Public Accountant and a member of the American Institute of Certified Public Accountants. He volunteers his time to several youth organizations and serves on various committees for the Pennsylvania Bankers' Association.

    James P. Quinlan, Executive Vice President and Director of Wealth Advisory Services. Mr. Quinlan has 27 years of experience in the financial industry focused on wealth management and advisory services. Prior to joining Penn Liberty bank he was President of Beneficial Advisors, LLC, a wholly owned subsidiary of Beneficial Mutual Savings Bank. Previous to that he was President of Smart Financial Advisors, LLC, a wholly owned subsidiary of Smart Business Advisory and Consulting. Jim is a graduate of Bucknell University with a degree in Business Administration and earned his MBA at Villanova University. He has earned licenses as a Certified Public Accountant (CPA), Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), and Personal Financial Specialist (PFS). Jim serves on the board of the Catholic Charities Appeal for the Archdiocese of Philadelphia and is an advisory board member of Archbishop John Carroll High School and Gladstone Associates, LLC.

    Richard A. Sarfert, Executive Vice President and Chief Credit Officer of the Bank. He has over 30 years of experience in the financial services industry focused on commercial lending and credit administration.  He was formerly the Senior Vice President and Senior Credit Officer of the Bank. Prior to joining Penn Liberty Bank he served as Senior Vice President of Commercial Banking Southern Region at National Penn Bank from April 1997 until January 2011. Other positions Mr. Sarfert held at National Penn include Manager of the Manufacturing Lending Group, Regional Credit Officer and Commercial Lending Team Leader for Chester and Montgomery Counties, Pennsylvania. Prior to National Penn Bank Mr. Sarfert held positions of varying responsibility with Meridian and CoreStates Banks, Philadelphia, Pennsylvania.


  • Board of Directors

    In addition to Messrs. Ward, Zwaan and Griest, provided below are the other members of the Board of Directors.

    Michael J. Brown is currently the Group President of InnerWorkings, Inc., a global provider of print and promotional procurement solutions with a location in Blue Bell, Pennsylvania. While his responsibilities of overseeing business development include managing sales, account services, and promotions, he also works on expanding his firm's product offerings beyond initial print solutions, and has incorporated project fulfillment, warehouse facilities, web-based ordering and monitoring capabilities, and creative services. Mr. Brown also services as Vice President of Kelly+Partners, Inc., a document management company specializing in corporate and legal copy services located in Philadelphia, Pennsylvania.
    Prior to joining InnerWorkings, Mr. Brown was the founder and President of Brown+Partners, Inc., a print management company which was acquired by InnerWorkings in July 2007. Mr. Brown also previously served as founder and Vice President of Webb/Mason, a print distributor located in Hunt Valley, Maryland and as Senior Vice President of Marketing for the Reliable Group of Companies based in Philadelphia, Pennsylvania. Mr. Brown is a graduate of Temple University, with a B.S. in Accounting and an M.B.A. in Public Administration. He is a very active in the community as well as with the Police Athletic League of Philadelphia, the Philadelphia First Tee Chapter, and the Bruce Edwards ALS Research Foundation.

    Charles P. Connolly, Jr. is currently an independent director of various corporate boards of directors, in the areas of bank relationships and debt refinancing, executive compensation, mergers and acquisitions strategy, organizational design, and senior management placement. Until 2001, Mr. Connolly served as President and Chief Executive Officer of First Union Bank (Pennsylvania and Delaware regions) as well as President of the First Union Foundation, a charitable foundation with $100 million in assets. Prior to joining First Union, Mr. Connolly served in various positions with CoreStates Bank, NA, and as Vice Chairman from 1996 to 1998 and Senior Executive Vice President in charge of Risk Management and Credit from 1992 to 1996. Mr. Connolly currently serves as Chairman of the Augustinian Friars Development Council, Trustee Emeritus of the Malvern Preparatory School, and a member of the Archdiocesan Finance Council for the Archdiocese of Philadelphia. Mr. Connolly previously served as Chairman of the Advisory Board of the Villanova University, College of Business, Chairman of the Board of the Philadelphia Workforce Development Corporation, Board Member of the Philadelphia Orchestra, Board Member of the Kimmel Center for the Performing Arts, Chairman of the Board of Education of the Archdiocese of Philadelphia, Board Member of the National American Jewish Museum, Board Member of the Academy of Notre Dame, Villanova, and Board Member of the Philadelphia Hospital.

    James D. Danella is the President and Chief Executive Officer of the Danella Companies, Inc. located in Plymouth Meeting, Pennsylvania, a group of various companies which provides construction and engineering services to major telephone, electric, and gas utility companies throughout the United States. Mr. Danella is also a real estate developer and owns various companies and properties throughout Pennsylvania and Florida. Mr. Danella serves as a board member for the Board of Trustees of Villanova University, LaSalle Academy, and Mission Kids. Mr. Danella previously served as a member of the Board of Directors of Commonwealth Bank.

    Joanne Harmelin is the founder and Chief Executive Officer of Harmelin Media, a media services agency located in Bala Cynwyd, Pennsylvania, that is the nation's 6th largest independent and Pennsylvania's largest media services agency. Since Ms. Harmelin founded the company in 1982, Harmelin Media has grown from one employee and one client to the present 134-person staff with 225 clients and revenues of over $300 million. Ms. Harmelin is a member of the American Management Association, the National Association of Women's Business Owners and The Forum, a women's advocacy association comprised of Philadelphia's leading professional women. She is also a Board Member of the Arden Theatre Company, the Walnut Street Theatre, the Bryn Mawr Film Institute, the Philadelphia Zoological Society, and is a committee member of the Philadelphia Children's Alliance for sexually abused children. Ms. Harmelin is also a former director of Commonwealth Bank.

    Paul M. LaNoce is the President and owner of D.A.R. Industrial Products, Inc. a distributor of gaskets, packing and high temperature textiles located in West Conshohocken, Pennsylvania. He is also a partner in Mitchell Products, a golf course supply company located in Millville, New Jersey. Mr. LaNoce is a board member of MBF Center, a business and computer school for handicapped young adults located in Norristown, Pennsylvania, the Javie Foundation, Blue Bell, Pennsylvania, the Sandler O'Neill Foundation Golf Outing to benefit children of victims of September 11th and the Unity School Endowment Board, Delray Beach, Florida. Mr. LaNoce was
    a director of Progress Financial Corporation, the holding company for Progress Bank, Blue Bell, Pennsylvania, prior to its acquisition by Fleet Boston Financial Corporation in January 2004.

    Charles H. Meacham was formerly the Chairman of the Board of Commonwealth Bancorp and Commonwealth Bank until its acquisition by Citizens Financial Group in January 2003. Mr. Meacham held various positions with Commonwealth Bank over 27 years and served as Chief Executive Officer from 1991 to 2001. Prior to that, he held the positions of President, Chief Operations Officer and Chief Financial Officer. Mr. Meacham started his business career as a bank examiner for the Federal Home Loan Bank Board. Mr. Meacham has previously served on the boards of the Norristown Zoo, the Peoples Light and Theater Co., the Housing
    Partnership of Chester County and the Federal Home Loan Bank of Pittsburgh.

    Russell Naylor is the Chairman and founder of the Elite Group, a group of companies focused on employee group benefits and commercial insurance brokerage located in Exton, Pennsylvania. Through the various Elite companies, the following services are provided: consulting for companies seeking alternatives to traditional group insurance, general insurance underwriting, bundled insurance products and services, specialty finance to healthcare providers, commercial real estate development and benefits consulting and brokering for single-employee companies. Prior to founding Elite, Mr. Naylor held leadership roles in the insurance industry beginning in the group benefits business in the early 1960's with The Travelers and, in the 1970's, started the first Third Party Administration (TPA) firm in the Philadelphia area, which he sold in 1986.

    Paul A. Tornetta, Esq. is the Chief Executive Officer and Broker of Record of LFT Realty Group, Inc. a Real Estate company located in Conshohocken, Pennsylvania, that specializes in the development, brokerage and management of industrial, retail and office real estate. Mr. Tornetta is also Chief Executive Officer of Plymouth Industrial Center, Inc., Montgomery Delval Association L.P., and Providence Properties, Inc. land holding and investment companies with portfolios located primarily in Montgomery County. He is also founder and President of Kinetix Sports Club Ltd. and Tees Golf Center. Mr. Tornetta earned a Bachelor of Science in accounting from Ithaca College and a Juris Doctor from Widener University Law School. He is a member of the Board of Governors of Plymouth Country Club, Plymouth Police Association Civilian Advisory Board, Holy Saviour Parish Finance Committee, Tri-State Commercial Realtors Association and has served as a Board member of the Redevelopment Authority of Montgomery County.