Johnstown, PA · Cert 7542 · Ameriserv Financial Inc.
State charter, Fed member · FED · 17 branches
Q2 2026
Market Position · Johnstown, PA · 2026 SOD (annual) · 21.0% share · #2 of 13 inst. · $0.9B of $4.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.51% | 0.68% | 0.38% | 0.54% | 0.60% | 0.73% | 0.88% | +49 bps | |
| Return on Equity | 4.41% | 5.90% | 7.47% | 4.19% | 5.89% | 6.42% | 7.54% | 8.98% | +479 bps | |
| Net Interest Margin | 2.60% | 2.62% | 2.84% | 2.88% | 2.96% | 2.98% | 3.07% | 3.10% | +22 bps | |
| Efficiency Ratio | 85.39% | 82.34% | 79.45% | 77.67% | 76.15% | 75.57% | 76.61% | 74.85% | -283 bps | |
| Non-Interest Burden | 2.13% | 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 / Loans | 0.94% | 1.02% | 1.29% | 1.42% | 1.39% | 0.80% | 0.78% | 0.76% | -66 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.19% | 0.02% | 0.56% | 0.37% | 0.47% | 0.08% | 0.05% | -51 bps | |
| Allowance / Loans | 1.39% | 1.30% | 1.30% | 1.31% | 1.36% | 1.27% | 1.28% | 1.27% | -5 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.3x | 1.0x | 0.9x | 1.0x | 1.6x | 1.6x | 1.7x | +0.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.77% | 9.14% | 9.20% | 9.12% | 9.26% | 9.32% | 9.45% | 9.46% | +34 bps | |
| Total Risk-Based Capital | 11.76% | 12.16% | 12.27% | 12.14% | 12.60% | 12.88% | 12.98% | 9.46% | -268 bps | |
| Equity / Assets | 8.75% | 9.02% | 9.28% | 9.25% | 9.41% | 9.76% | 9.67% | 9.90% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.29% | 88.82% | 87.24% | 85.88% | 83.85% | 82.66% | 81.11% | 80.37% | -551 bps | |
| Liquid Assets / Assets | 4.93% | 4.73% | 4.94% | 5.07% | 7.28% | 7.71% | 8.11% | 6.85% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 446% | 425% | 425% | n/a | n/a | |