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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 $9.9MQ2 2025Q2 2026
Deposit mix
87%Interest-bearing $1.1B13%Noninterest $0.2BQ2 2025Q2 2026

NIM

4.71%Q2 ’244.84%Q2 ’254.90%Q2 ’26+12%+8%

Non-interest income vs. expense

2.67%Q2 ’243.07%Q2 ’253.24%Q2 ’26-13%+1%

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 1.02%, up 93 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.76% of loans (-66 bps YoY), with net charge-offs at 0.01%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

1.02%+93 bps YoY

Net Interest Margin (quarter, annualized)

3.17%+22 bps YoY

Efficiency Ratio (quarter, annualized)

73.20%-274 bps YoY

Tier 1 Leverage Ratio

9.46%+34 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.86%0.76%0.73%1.02%+93 bps
Return on Equity0.96%9.22%7.96%7.54%10.42%+946 bps
Net Interest Margin2.94%3.12%3.09%3.07%3.17%+22 bps
Efficiency Ratio75.95%73.32%73.91%76.61%73.20%-274 bps
Non-Interest Burden1.94%1.94%1.94%2.07%1.95%+1 bps
Growth
Asset Growth (YoY)3.79%4.50%2.28%2.91%0.96%-283 bps
Loan Growth (YoY)2.88%1.47%-3.32%-2.90%-5.00%-788 bps
Deposit Growth (YoY)6.22%5.64%3.88%4.44%1.52%-471 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.39%0.80%0.78%0.76%-66 bps
Net Charge-Offs / Loans1.09%-0.01%0.75%0.08%0.01%-108 bps
Allowance / Loans1.31%1.36%1.27%1.28%1.27%-5 bps
Allowance Coverage of NPLs0.9x1.0x1.6x1.6x1.7x+0.7x
Capital
Tier 1 Leverage Ratio9.12%9.26%9.32%9.45%9.46%+34 bps
Total Risk-Based Capital12.14%12.60%12.88%12.98%9.46%-268 bps
Equity / Assets9.25%9.41%9.76%9.67%9.90%+65 bps
Liquidity & Funding
Loans / Deposits85.88%83.85%82.66%81.11%80.37%-551 bps
Liquid Assets / Assets5.07%7.28%7.71%8.11%6.85%+177 bps
CRE / Total Capitaln/a446%425%425%n/an/a