Ameriserv Financial Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.08 percentage points between Q1 2026 and Q2 2026, to 3.43%. Within Pennsylvania, Ameriserv Financial Bank is 58th of 109 on net interest margin, 3.43% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Ameriserv Financial Bank sits 0.28 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.35% |
| Yield on loans | 5.73% |
| Yield on securities | 4.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.99% |
| Cost of interest-bearing deposits | 2.20% |
| Cost of interest-bearing liabilities | 2.27% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 3.08% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.6M |
| Total interest expense | $6.5M |
| Interest expense on deposits | $6.1M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.93% | 2.12% | 2.88% | 5.29% | 3.39% |
| Q4 2023 | 4.97% | 2.33% | 2.74% | 5.31% | 3.50% |
| Q1 2024 | 5.04% | 2.34% | 2.79% | 5.35% | 3.63% |
| Q2 2024 | 5.14% | 2.38% | 2.83% | 5.44% | 3.73% |
| Q3 2024 | 5.19% | 2.43% | 2.83% | 5.54% | 3.61% |
| Q4 2024 | 5.26% | 2.32% | 3.03% | 5.55% | 3.74% |
| Q1 2025 | 5.15% | 2.18% | 3.08% | 5.45% | 3.77% |
| Q2 2025 | 5.28% | 2.16% | 3.17% | 5.59% | 3.87% |
| Q3 2025 | 5.53% | 2.19% | 3.37% | 5.89% | 4.00% |
| Q4 2025 | 5.40% | 2.15% | 3.33% | 5.76% | 4.08% |
| Q1 2026 | 5.28% | 2.03% | 3.35% | 5.63% | 4.09% |
| Q2 2026 | 5.35% | 1.99% | 3.43% | 5.73% | 4.21% |
Ameriserv Financial Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Ameriserv Financial Bank, freeSource: Call Report Schedules RI and RC-K, 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)