Ameriserv Financial Bank
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Data as of · sourced from FFIEC call reports. How we update
Ameriserv Financial Bank is an FDIC-insured commercial bank headquartered in Johnstown, PA, established in 1933 (FDIC certificate 7542), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.46B, up 1.0% from Q2 2025, the 35th largest of 109 banks headquartered in Pennsylvania. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.46% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 7542
- Headquarters
- Johnstown, PA
- Established
- 1933
- Total assets, Q2 2026
- $1.46B
- Assets vs Q2 2025
- +1.0%
- Tier 1 leverage ratio, Q2 2026
- 9.46%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 031301066
- Latest call report
- Q2 2026, FFIEC 051 · Ameriserv Financial Bank call report
- Holding company
- AMERISERV FINANCIAL, INC
- Asset rank in state
- 35th of 109 in Pennsylvania
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%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Ameriserv Financial Bank is the 35th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.7% to $1.46B, loans fell 1.5% and deposits fell 0.6%. Non-owner-occupied commercial real estate loans made up 35.8% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 29.6%. The FDIC Summary of Deposits lists 17 offices for it, in 14 cities across 2 states; its Johnstown 4 offices book 43% of its branch deposits. On its Q2 2026 call report, Ameriserv Financial Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 17 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Ameriserv Financial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Ameriserv Financial Bank's total assets ran between $1.35B (Q3 2023) and $1.47B (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.46B total assets against $1.44B; $1.31B total liabilities against $1.31B.
$1.00B net loans and leases against $1.06B; $1.26B total deposits against $1.25B.
$287.2M securities against $233.5M; $27.9M cash and balances due against $23.8M.
$18.1M total interest income against $17.6M; $6.5M total interest expense against $7.0M.
$11.6M net interest income against $10.6M.
$4.7M total noninterest income against $4.1M; $11.9M total noninterest expense against $11.2M.
-$294K provision for credit losses against $3.1M.
$3.7M net income against $318K.
1.01% return on assets against 0.09%; 3.43% net interest margin against 3.17%.
9.46% tier 1 leverage ratio against 9.12%.
Inside the full Ameriserv Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 753 of 4,196, for total assets; its furthest is 2,947 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.09% (Q2 2025) to 1.01% (Q2 2026) and its net interest margin ran from 2.83% (Q3 2024) to 3.43% (Q2 2026).
| 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
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 145 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Ameriserv Financial Bank headquartered?
It is headquartered in Johnstown, PA, United States.
When was Ameriserv Financial Bank founded?
It was established in 1933, per the FDIC institution directory.
Is Ameriserv Financial Bank FDIC-insured?
Yes. It 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.
How many branches does Ameriserv Financial Bank operate?
It 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?
Its Texas Ratio is 5.39% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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