AMERISERV FINANCIAL BANK
AMERISERV FINANCIAL BANK is an FDIC-insured commercial bank headquartered in JOHNSTOWN, PA, established in 1933. As of , 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 3.35%. CET1 capital ratio: 11.70%, well above regulatory minimums. NPL ratio: 1.05% · Texas Ratio: 7.01%. Operates 17 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Ameriserv Financial Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.70% | 0.76% | 1.05% | 7.01% | 3.35% |
| 2025-09-30 | 11.35% | 0.86% | 1.62% | 11.33% | 3.39% |
| 2025-06-30 | 10.94% | 0.09% | 1.40% | 10.12% | 3.20% |
| 2025-03-31 | 11.07% | 0.68% | 1.36% | 9.92% | 3.09% |
| 2024-12-31 | 10.91% | 0.90% | 1.07% | 9.15% | 3.04% |
| 2024-09-30 | 10.51% | 0.34% | 0.96% | 8.49% | 2.85% |
| 2024-06-30 | 10.44% | 0.20% | 0.98% | 8.88% | 2.85% |
| 2024-03-31 | 10.64% | 0.59% | 1.19% | 9.26% | 2.80% |
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Frequently asked about AMERISERV FINANCIAL BANK
What are Ameriserv Financial Bank's total assets?
As of the Q4 2025 filing, Ameriserv Financial Bank reported total assets of $1.45 billion in its most recent 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 required of all FDIC-insured commercial banks.
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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Ameriserv Financial Bank's CET1 capital ratio?
Ameriserv Financial Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.70% in its most recent quarterly filing — above regulatory minimums.
How many branches does Ameriserv Financial Bank operate?
Ameriserv Financial Bank operates 17 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Ameriserv Financial Bank's Texas Ratio?
Ameriserv Financial Bank's Texas Ratio is 7.01% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.