Ameriserv Financial Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 16.31 percentage points in Q2 2026, from 352.51% to 336.20%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, Ameriserv Financial Bank is 72nd of 109 on loan-to-deposit ratio, 80.37% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Ameriserv Financial Bank sits 7.83 points lower, at 80.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.02B |
| Net loans and leases | $1.00B |
| Loans held for sale | $760K |
| Loans to total assets | 69.65% |
| Loan-to-deposit ratio | 80.37% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.50% |
| Multifamily (5+ residential) | 7.34% |
| Commercial and industrial | 12.11% |
| Consumer | 0.99% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 336.20% |
| Construction concentration (Tier 1 capital + allowance) | 29.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $14.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.00B | $1.13B | 44.01% | 13.51% | 1.35% |
| Q4 2023 | $1.04B | $1.16B | 43.30% | 14.42% | 1.18% |
| Q1 2024 | $1.03B | $1.18B | 43.81% | 13.57% | 1.15% |
| Q2 2024 | $1.04B | $1.17B | 43.68% | 13.91% | 1.13% |
| Q3 2024 | $1.04B | $1.19B | 43.49% | 12.56% | 1.08% |
| Q4 2024 | $1.07B | $1.20B | 43.41% | 12.95% | 1.04% |
| Q1 2025 | $1.06B | $1.22B | 44.21% | 12.68% | 1.01% |
| Q2 2025 | $1.07B | $1.25B | 44.28% | 12.51% | 1.01% |
| Q3 2025 | $1.06B | $1.26B | 43.75% | 12.42% | 1.00% |
| Q4 2025 | $1.03B | $1.25B | 42.24% | 12.28% | 1.01% |
| Q1 2026 | $1.03B | $1.27B | 42.61% | 11.81% | 0.96% |
| Q2 2026 | $1.02B | $1.26B | 43.50% | 12.11% | 0.99% |
Ameriserv Financial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriserv Financial Bank, freeSource: Call Report Schedule RC-C, 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)