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Ameriserv Financial Bank

Johnstown, PA · Cert 7542 · Ameriserv Financial Inc.

State charter, Fed member · FED · 17 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

15

Q2 2024Q2 2026peer median (50)

Asset Quality

48

Q2 2024Q2 2026peer median (50)

Profitability

19

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

13

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ameriserv Financial Bank

Johnstown, PA · Cert 7542 · Ameriserv Financial Inc.

State charter, Fed member · FED · 17 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BDeposits
$144.4MEquity
Loan mix
87%RE $879.8M12%C&I $121.8M1%Consumer $9.9MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $1.1B13%Noninterest $0.2BQ3 2024Q2 2026

Market Position · Johnstown, PA · 2026 SOD (annual) · 21.0% share · #2 of 13 inst. · $0.9B of $4.1B

21.0% Cambria
8.6% Somerset
0.1% Allegheny
0.6% Westmoreland

Executive Summary

  • Earnings: ROA of 0.88%, up 49 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.76% of loans (-66 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 9.46%, up 34 bps from a year ago.
  • Funding: loans stand at 80.37% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.88%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+22 bps YoY

Efficiency Ratio (YTD, annualized)

74.85%-283 bps YoY

Tier 1 Leverage Ratio

9.46%+34 bps YoY

NIM

4.66%Q2 ’244.75%Q2 ’254.82%Q2 ’26+11%+8%

Non-interest income vs. expense

2.61%Q2 ’243.10%Q2 ’253.20%Q2 ’26-7%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.51%0.68%0.38%0.54%0.60%0.73%0.88%+49 bps
Return on Equity4.41%5.90%7.47%4.19%5.89%6.42%7.54%8.98%+479 bps
Net Interest Margin2.60%2.62%2.84%2.88%2.96%2.98%3.07%3.10%+22 bps
Efficiency Ratio85.39%82.34%79.45%77.67%76.15%75.57%76.61%74.85%-283 bps
Non-Interest Burden2.13%1.91%2.00%1.96%1.96%1.95%2.07%2.00%+3 bps
Growth
Asset Growth (YoY)3.35%2.82%3.98%3.79%4.50%2.28%2.91%0.96%-283 bps
Loan Growth (YoY)3.80%2.89%3.48%2.88%1.47%-3.32%-2.90%-5.00%-788 bps
Deposit Growth (YoY)5.31%3.52%3.32%6.22%5.64%3.88%4.44%1.52%-471 bps
Asset Quality
Nonperforming Loans / Loans0.94%1.02%1.29%1.42%1.39%0.80%0.78%0.76%-66 bps
Net Charge-Offs / Loans0.06%0.19%0.02%0.56%0.37%0.47%0.08%0.05%-51 bps
Allowance / Loans1.39%1.30%1.30%1.31%1.36%1.27%1.28%1.27%-5 bps
Allowance Coverage of NPLs1.5x1.3x1.0x0.9x1.0x1.6x1.6x1.7x+0.7x
Capital
Tier 1 Leverage Ratio8.77%9.14%9.20%9.12%9.26%9.32%9.45%9.46%+34 bps
Total Risk-Based Capital11.76%12.16%12.27%12.14%12.60%12.88%12.98%9.46%-268 bps
Equity / Assets8.75%9.02%9.28%9.25%9.41%9.76%9.67%9.90%+65 bps
Liquidity & Funding
Loans / Deposits87.29%88.82%87.24%85.88%83.85%82.66%81.11%80.37%-551 bps
Liquid Assets / Assets4.93%4.73%4.94%5.07%7.28%7.71%8.11%6.85%+177 bps
CRE / Total Capitaln/an/an/an/a446%425%425%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Ameriserv Financial Bank

Johnstown, PA · Cert 7542 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Ameriserv Financial Inc.

State charter, Fed member · FED · 17 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BDeposits
$144.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 52% of banks $1B-$10B in assets operating regionally (rank 85 of 176).
  • Widest gap: total risk-based capital ratio trails 98% of banks $1B-$10B in assets operating regionally (rank 173 of 176).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.88%

Rank 140 of 176

Net Interest Margin

3.10%

Rank 151 of 176

Efficiency Ratio

74.88%

Rank 154 of 176

Equity / Assets

9.90%

Rank 104 of 176

Non-interest income vs. expense

$17.7M$47.1MINCOMEEXPENSE
Unfavorable gap of $29.4M · efficiency ratio beats 13% of banks $1B-$10B in assets operating regionally
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.88%0.93%1.26%1.54%Beats 20%140 / 176n/a
Return on Equity8.87%9.26%11.89%14.46%Beats 22%137 / 176n/a
Net Interest Margin3.10%3.25%3.59%3.93%Beats 14%151 / 176n/a
Efficiency Ratio74.88%52.79%59.55%67.66%Beats 13%154 / 176n/a
Asset Quality
Nonperforming Loans / Loans0.76%0.30%0.64%1.32%Beats 43%101 / 176n/a
Net Charge-Offs / Loans0.03%0.01%0.04%0.10%Beats 52%85 / 176n/a
Capital
Tier 1 Capital Ratio9.46%11.15%12.72%14.15%Beats 2%173 / 176n/a
Total Risk-Based Capital Ratio9.46%11.81%13.63%15.33%Beats 2%173 / 176n/a
Equity / Assets9.90%9.16%10.35%11.80%Beats 41%104 / 176n/a
Liquidity & Funding
Loans / Deposits80.37%80.94%89.73%97.21%23rd pctl136 / 176n/a
Loans / Assets69.65%69.25%75.12%80.82%27th pctl129 / 176n/a
Brokered Deposits / Depositsn/aNot reported for this institution