Ameriserv Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Ameriserv Financial Bank of Johnstown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.01% | 1.46% | -0.45% | 30th below |
| ROAE | 10.42% | 12.72% | -2.30% | 35th below |
| Net Interest Margin | 3.43% | 3.85% | -0.42% | 32nd below |
| Efficiency Ratio | 73.03% | 57.40% | +15.63% | 15th bottom |
| PPNR / Avg Assets | 1.18% | 1.88% | -0.70% | 22nd bottom |
| Yield on Earning Assets | 5.35% | 5.72% | -0.37% | 38th below |
| Cost of Funds | 1.99% | 2.02% | -0.03% | 53rd above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.08% | 3.18% | -0.10% | 50th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.98% | 1.00% | -0.02% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.68% | 0.76% | -0.08% | 38th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 61st above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.31% | -0.04% | 67th above |
| ACL / NPLs (Coverage) | 130.09% | 543.59% | -413.50% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.94% | 7.39% | -0.45% | 35th below |
| Provision / NCO | -0.87% | 619.02% | -619.89% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.46% | 11.44% | -1.98% | 22nd bottom |
| Equity / Assets | 9.90% | 11.34% | -1.44% | 41st below |
| TCE / Tangible Assets | 9.05% | 10.50% | -1.45% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.37% | 86.96% | -6.59% | 69th above |
| Core Deposit Ratio | 89.45% | 85.55% | +3.90% | 55th above |
| Uninsured Deposit Ratio | 39.32% | 33.12% | +6.20% | 28th below |
| Wholesale Funding Ratio | 2.65% | 5.71% | -3.06% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.96% | 9.69% | -8.73% | 21st bottom |
| Loan Growth (Y/Y) | -5.00% | 8.06% | -13.06% | 6th bottom |
| Deposit Growth (Y/Y) | 1.52% | 7.87% | -6.35% | 27th below |
See Ameriserv Financial Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Ameriserv Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Ameriserv Financial Bank profile, how to read a UBPR, or how this data updates.