Ameriserv Financial Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.46% +0.46 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $138.2M | 138,225 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $1.46B | 1,461,351 | RCOAA224 |
| Recomputed ratio | 9.46% | numerator / denominator | |
| Filed ratio | 9.46% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.46 pp | $6.7M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 72,026 | 72,026 | 72,026 | 72,026 | 72,026 | 72,026 | RCOAP742 |
| Retained earnings | 79,857 | 77,627 | 76,456 | 75,185 | 73,265 | 72,947 | RCOAKW00 |
| Accumulated other comprehensive income | (7,478) | (7,629) | (7,030) | (10,107) | (11,664) | (12,597) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 144,405 | 142,024 | 141,452 | 137,104 | 133,627 | 132,376 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (6,180) | (6,033) | (6,637) | (3,565) | (2,013) | (1,085) | P859 - P840 |
| Common equity Tier 1 capital | 138,225 | 135,991 | 134,815 | 133,539 | 131,614 | 131,291 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 138,225 | 135,991 | 134,815 | 133,539 | 131,614 | 131,291 | RCOA8274 |
| Tier 2 capital | NA | 13,532 | 13,555 | 14,713 | 14,391 | 14,165 | |
| Allowance includable in Tier 2 capital | NA | 13,532 | 13,555 | 14,713 | 14,391 | 14,165 | |
| Total capital | NA | 149,523 | 148,370 | 148,252 | 146,005 | 145,456 | |
| Total risk-weighted assets | NA | 1,152,321 | 1,151,826 | 1,176,972 | 1,202,870 | 1,185,506 | |
| Average total assets for the leverage ratio | 1,461,351 | 1,438,672 | 1,446,382 | 1,442,138 | 1,443,261 | 1,427,460 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.46% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 11.80% | 11.80% | 12.98% | 9.45% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 11.70% | 11.70% | 12.88% | 9.32% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 11.35% | 11.35% | 12.60% | 9.26% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 10.94% | 10.94% | 12.14% | 9.12% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 11.07% | 11.07% | 12.27% | 9.20% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 10.91% | 10.91% | 12.16% | 9.14% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 10.51% | 10.51% | 11.76% | 8.77% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 10.44% | 10.44% | 11.69% | 8.76% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 10.64% | 10.64% | 11.89% | 8.85% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 10.57% | 10.57% | 11.82% | 8.78% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.21% | 11.21% | 12.40% | 9.33% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Ameriserv Financial Bank (this bank) | CBLR | NA | NA | NA | 9.46% | |
| Pegasus Bank | $1.46B | Risk-based | 16.40% | 16.40% | 17.51% | 11.41% |
| Apex Bank | $1.46B | Risk-based | 23.20% | 23.20% | 24.46% | 14.46% |
| North State Bank | $1.46B | Risk-based | 11.34% | 11.34% | 12.07% | 8.50% |
| Central Bank Illinois | $1.46B | CBLR | NA | NA | NA | 10.39% |
| Northwest Bank | $1.45B | CBLR | NA | NA | NA | 16.57% |
| Malaga Bank, FSB | $1.45B | Risk-based | 27.47% | 27.47% | 27.91% | 16.76% |
| Riverview Bank | $1.47B | Risk-based | 14.39% | 14.39% | 15.64% | 10.96% |
| Bankers' Bank | $1.47B | Risk-based | 15.86% | 15.86% | 17.02% | 14.70% |
| American State Bank | $1.45B | Risk-based | 11.78% | 11.78% | 13.03% | 10.81% |
| Peer 25th percentile | 13.09% | 13.09% | 14.34% | 10.81% | ||
| Peer median | 15.86% | 15.86% | 17.02% | 11.41% | ||
| Peer 75th percentile | 19.80% | 19.80% | 20.99% | 14.70% | ||
| This bank's percentile | NA | NA | NA | 11 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/928618/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.