Ameriserv Financial Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 2.9% to $79.9M.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.46% |
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.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $138.2M |
| Tier 1 capital | $138.2M |
| Total risk-based capital | — |
| Total equity capital | $144.4M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.90% |
| Tangible equity to tangible assets | 9.05% |
| Equity capital to average assets | 9.79% |
| Internal capital growth rate | 6.28% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $2.6M |
| Common stock surplus | $69.4M |
| Retained earnings | $79.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.40% | 9.33% | $1.12B |
| Q4 2023 | 10.57% | 10.57% | 11.82% | 8.78% | $1.14B |
| Q1 2024 | 10.64% | 10.64% | 11.89% | 8.85% | $1.15B |
| Q2 2024 | 10.44% | 10.44% | 11.69% | 8.76% | $1.16B |
| Q3 2024 | 10.51% | 10.51% | 11.76% | 8.77% | $1.16B |
| Q4 2024 | 10.91% | 10.91% | 12.16% | 9.14% | $1.18B |
| Q1 2025 | 11.07% | 11.07% | 12.27% | 9.20% | $1.19B |
| Q2 2025 | 10.94% | 10.94% | 12.14% | 9.12% | $1.20B |
| Q3 2025 | 11.35% | 11.35% | 12.60% | 9.26% | $1.18B |
| Q4 2025 | 11.70% | 11.70% | 12.88% | 9.32% | $1.15B |
| Q1 2026 | 11.80% | 11.80% | 12.98% | 9.45% | $1.15B |
| Q2 2026 | — | — | — | 9.46% | — |
Ameriserv Financial Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriserv Financial Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Ameriserv Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7542) · FFIEC NIC profile (RSSD 928618)