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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