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
Unfavorable gap of $29.4M · efficiency ratio beats 13% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.88% | 0.93% | 1.26% | 1.54% | Beats 20% | 140 / 176 | |
| Return on Equity | 8.87% | 9.26% | 11.89% | 14.46% | Beats 22% | 137 / 176 | |
| Net Interest Margin | 3.10% | 3.25% | 3.59% | 3.93% | Beats 14% | 151 / 176 | |
| Efficiency Ratio | 74.88% | 52.79% | 59.55% | 67.66% | Beats 13% | 154 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.76% | 0.30% | 0.64% | 1.32% | Beats 43% | 101 / 176 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.04% | 0.10% | Beats 52% | 85 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 9.46% | 11.15% | 12.72% | 14.15% | Beats 2% | 173 / 176 | |
| Total Risk-Based Capital Ratio | 9.46% | 11.81% | 13.63% | 15.33% | Beats 2% | 173 / 176 | |
| Equity / Assets | 9.90% | 9.16% | 10.35% | 11.80% | Beats 41% | 104 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 80.37% | 80.94% | 89.73% | 97.21% | 23rd pctl | 136 / 176 | |
| Loans / Assets | 69.65% | 69.25% | 75.12% | 80.82% | 27th pctl | 129 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |