Ameriserv Financial Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.02 percentage points higher than in Q1 2026, at 19.69%. Within Pennsylvania, Ameriserv Financial Bank is 59th of 109 on return on assets, 1.01% as of Q2 2026, below the middle of the field. Ameriserv Financial Bank reported 1.01% on return on assets for Q2 2026, 0.27 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.46% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.68% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.94% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 130.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 10.42% |
| Net interest margin | 3.43% |
| Efficiency ratio | 73.03% |
| Yield on earning assets | 5.35% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.37% |
| Core deposits to total deposits | 89.45% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.66% |
| Securities to assets | 19.69% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.40% | 9.33% | 0.36% |
| Q4 2023 | 10.57% | 10.57% | 11.82% | 8.78% | -1.36% |
| Q1 2024 | 10.64% | 10.64% | 11.89% | 8.85% | 0.58% |
| Q2 2024 | 10.44% | 10.44% | 11.69% | 8.76% | 0.20% |
| Q3 2024 | 10.51% | 10.51% | 11.76% | 8.77% | 0.34% |
| Q4 2024 | 10.91% | 10.91% | 12.16% | 9.14% | 0.89% |
| Q1 2025 | 11.07% | 11.07% | 12.27% | 9.20% | 0.67% |
| Q2 2025 | 10.94% | 10.94% | 12.14% | 9.12% | 0.09% |
| Q3 2025 | 11.35% | 11.35% | 12.60% | 9.26% | 0.86% |
| Q4 2025 | 11.70% | 11.70% | 12.88% | 9.32% | 0.76% |
| Q1 2026 | 11.80% | 11.80% | 12.98% | 9.45% | 0.74% |
| Q2 2026 | — | — | — | 9.46% | 1.01% |
Ameriserv Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriserv Financial Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)