Ameriserv Financial Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Ameriserv Financial Bank, based in Johnstown, Pennsylvania, reported $1.5 billion in assets at June 30, 2026. It shrank its loan book 5.0% over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.9%). It also holds commercial real estate loans worth 3.4 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.76% of loans from 1.42%. Loans and deposits moved in opposite directions: over the year loans fell 5.0% and deposits rose 1.5%. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 58 cents).
As of June 30, 2026, Ameriserv Financial Bank reported a return on assets of 1.01%, a nonperforming-loan ratio of 0.76% and a Texas ratio of 5.39%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 216 Franklin St, Johnstown, PA 15901
- County
- Cambria
- Metro Area
- Johnstown, PA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 23, 1933
- Former names
- U.S. Bank (1998-2001)
- Offices
- 17 domestic
- Employees (FTE)
- 275
- Domestic deposits
- $1.26B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $230K
- Average total assets
- $1.48B
- Average total loans
- $1.02B
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7542
- Fed RSSD
- 928618
- SEC CIK
- 707605 → filed by AMERISERV FINANCIAL, INC
- Website
- AmeriServ.com →
- Parent Holding Company
- AMERISERV FINANCIAL, INC (RSSD 1117316) · ASRV
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jeffrey A Stopko | CEO | President & CEO ASRV & Bank |
| Michael D Lynch | CFO | EVP & CFO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. Net interest margin is the UBPR's tax-equivalent figure over the UBPR's own average earning assets. FDIC BankFind's is not tax-equivalent and divides by the average of quarter-end earning assets including the prior year-end, so after a merger FDIC's margin can differ from ours by several tenths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Ameriserv Financial Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Ameriserv Financial Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Ameriserv Financial Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.46% | 1.01% | 0.76% | 5.39% | 3.43% |
| Q1 2026 | 9.45% | 0.74% | 0.78% | 5.66% | 3.35% |
| Q4 2025 | 9.32% | 0.76% | 0.80% | 5.89% | 3.33% |
| Q3 2025 | 9.26% | 0.86% | 1.39% | 10.68% | 3.37% |
| Q2 2025 | 9.12% | 0.09% | 1.42% | 11.33% | 3.17% |
| Q1 2025 | 9.20% | 0.67% | 1.29% | 10.37% | 3.08% |
| Q4 2024 | 9.14% | 0.89% | 1.02% | 9.70% | 3.03% |
| Q3 2024 | 8.77% | 0.34% | 0.94% | 9.28% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 17 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ameriserv Financial Bank (main office) | Johnstown , PA | 15901 | $294.8M |
| University Heights Branch | Johnstown , PA | 15904 | $165.2M |
| Pittsburgh Branch | Pittsburgh , PA | 15222 | $148.7M |
| Lovell Park Branch | Ebensburg , PA | 15931 | $148.0M |
| Westmont Branch | Johnstown , PA | 15905 | $78.6M |
| Carrolltown Branch | Carrolltown , PA | 15722 | $72.0M |
| Nanty-Glo Branch | Nanty Glo , PA | 15943 | $55.0M |
| Windber Branch | Windber , PA | 15963 | $50.5M |
| Somerset Branch | Somerset , PA | 15501 | $41.8M |
| Derry Branch | Derry , PA | 15627 | $40.4M |
| Northern Cambria Office | Northern Cambria , PA | 15714 | $39.2M |
| Meyersdale Branch | Meyersdale , PA | 15552 | $28.6M |
| Central City Branch | Central City , PA | 15926 | $27.9M |
| Hagerstown Branch | Hagerstown , MD | 21742 | $25.6M |
| Seward Branch | Seward , PA | 15954 | $24.5M |
| North Atherton Branch | State College , PA | 16803 | $23.2M |
| East Hill Drive-Up Branch | Johnstown , PA | 15904 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2024 | Structure Change | Acquired Ameriserv Trust and Financial Services Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2004 | Structure Change | Acquired Ameriserv Financial Services Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 11, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 11, 1994 | Structure Change | Acquired Johnstown Interim Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 1976 | Structure Change | Acquired The First National Bank of Coalport Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 1976 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 1965 | Structure Change | Acquired Cambria County National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 3, 1963 | Structure Change | Acquired Windber Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 1961 | Structure Change | Acquired Nanty Glo State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 17, 1960 | Structure Change | Acquired Peoples National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 11 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Ameriserv Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (SEC Form 8-K)
- January 7, 2026, SEC Form 8-K: 8-K Item 1.01: written agreement
- April 16, 2025, SEC Form 8-K: 8-K Item 1.01: written agreement
- April 22, 2024, SEC Form 8-K: 8-K Item 1.01: written agreement
- Period: Most recent institution action January 7, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 48 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 418 applications, 286 loans originated, $43.9M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $4.2M approved, $4.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2019 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Ameriserv Financial Bank
What are Ameriserv Financial Bank's total assets?
As of the Q2 2026 filing, Ameriserv Financial Bank reported total assets of $1.46 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Ameriserv Financial Bank headquartered?
Ameriserv Financial Bank is headquartered in Johnstown, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Ameriserv Financial Bank founded?
Ameriserv Financial Bank was established in 1933, per the FDIC institution directory.
Is Ameriserv Financial Bank FDIC-insured?
Yes. Ameriserv Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #7542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Ameriserv Financial Bank?
Ameriserv Financial Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Ameriserv Financial Bank operate?
Ameriserv Financial Bank operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Ameriserv Financial Bank's Texas Ratio?
Ameriserv Financial Bank's Texas Ratio is 5.39% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Ameriserv Financial Bank previously called?
The charter now named Ameriserv Financial Bank has also operated as U.S. Bank (1998-2001), per FDIC structure-change records.
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