AMERISERV FINANCIAL BANK

JOHNSTOWN, PA | Large | Est. Sept. 23, 1933, midnight | FDIC #7542 | RSSD #928618 | FED
Latest Report: 2025-12-31

AMERISERV FINANCIAL BANK is aln large FDIC-insured commercial bank headquartered in JOHNSTOWN, PA, established in Sept. 23, 1933, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.2B. Profitability stands at 0.76% ROA and 7.96% ROE, with a net interest margin of 3.34%. The bank's CET1 capital ratio is 11.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.80% and a Texas Ratio of 5.36%. FDIC Certificate #7542.

Assets

$1.4B

Deposits

$1.2B

Loans

$1.0B

Equity

$141M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 7.96%
Net Interest Margin (NIM) 3.34%
Yield on Assets 5.42%
Cost of Funds 2.59%

Asset Quality

NPL Ratio 0.80%
Net Charge-Off Ratio 0.47%
Texas Ratio 5.36%
NPA Ratio 0.57%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 11.70%
Tier 1 Capital 11.70%
Total Capital Ratio 12.88%
Leverage Ratio 9.32%
Loan-to-Deposit 82.66%

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