# AMERISERV FINANCIAL BANK
JOHNSTOWN, PA · FDIC certificate 7542 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.46B | |
| Deposits | $1.26B | |
| Loans and leases | $1.02B | |
| Total equity | $144.4M | |
| Loans / deposits | 79.35% (p31 of band) | 87.10% |
| Liquid assets / assets | 21.60% (p52 of band) | |
| Uninsured deposits / deposits | 39.32% (p72 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.65% (p33 of band) | |
| FHLB advances / assets | 2.48% | |
| Tier 1 leverage | 9.46% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -10.13% (p40 of band) | -7.75% |
| AOCI / equity | -0.31% (p50 of band) | |
| ROA (annualized) | 0.88% (p22 of band) | 1.26% |
| Net interest margin | 3.44% (p34 of band) | 3.70% |
| Efficiency ratio | 74.85% (p87 of band) | |
| Noncurrent loans | 0.76% (p64 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p55 of band) | |
| Reserve coverage of noncurrent | 166.59% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 30.68% (p31 of band) | |
| Auto loans | $436,000 (0.04% of loans; DQ 2.52%, NCO 0.00%) | |
| Loans to nondepository financials | $5.7M (4% of equity) (p82 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 275 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | expense ratio p90 |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | expense ratio p90 |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 4 | capital falling, losing money, expense ratio p90, charge-offs p90 |  |
| 2016-06 | 2 |  | losing money, expense ratio p90 |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | expense ratio p90 | capital falling |
| 2017-03 | 0 |  | charge-offs p90, expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | expense ratio p90 |  |
| 2020-03 | 0 |  | expense ratio p90 |
| 2020-06 | 1 | expense ratio p90 |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 1 | expense ratio p90 |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 1 | capital falling | expense ratio p90 |
| 2023-06 | 1 | expense ratio p90 | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 4 | capital falling, losing money, charge-offs p90 |  |
| 2024-03 | 0 |  | expense ratio p90, capital falling, losing money, charge-offs p90 |
| 2024-06 | 1 | expense ratio p90 |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | expense ratio p90 |
| 2025-03 | 0 |  |  |
| 2025-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-05 [AmeriServ Financial Inc. Completes Merger of Subsidiary Trust Company - PR Newswire](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPYjBleDlBa3JFbGl2WEtyVFh4YmVWTm1nTlQzZThWQkJyM0NBRUxJRUNBTFByLTZfY1dDdHkyWTU2NFdrSHFEOThvR2FPUjFJZHQ1Zktsc2RKTUxhM1AxM1lOUE1ORm5fd25HT3o5SlNOQXMxZ081YTMtdE1Dc0tPOThPUE5URENTZFJ3Nm4tT1N0Vlc0V2p5c2pIX0F6SVF3VEN2ZXBKei1qQUhadzlNc01MNTkxc0Q1Yy1xdXZVVWtYQQ?oc=5) · PR Newswire
- 2018-12-07 [AmeriServ to open branch in Hagerstown - The Herald-Mail](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUV9WUi1pQkh4S3dqSWNUNFlJVnp6UjNOendOTWpfQzFWcU1PU0NsU1IzYUtOMUQ3dXNxN3RXaWxZZ19Zd3BxUkJPMl9wcUpQZzhwS3Q1ZTJTejZUYk9MR20xUTVhZEltSjRQaXllZ2J5TlVDOWRpZGVzMXk3NmZreU5uZnlFaTdVQ0l2UmRMWW5EcHFrcWVUbkJfYVMzS3oyRGxrQndOcUYyQnM?oc=5) · The Herald-Mail
- 2021-05-24 [AmeriServ Financial, Inc. and Riverview Financial Corporation Complete Previously Announced Branch Purchase Transaction - dailylocal.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOaDVQOHdUbnJwVWgwZXc0bWsxMmZhcVFlTUlpOGFBaUd6NFBic2w3eVVlaVNoeUd3VnROOFlwSkZnd205ejFsM2VoR0lmd3c5UmxqTHRDY1lmSG1ORXl4cDlJaW1NdEc3NDRrREd5YXlUdEFkNDcxaTlja1ZmNmxBQVJyeE0zVHBnQ0xrME9TR1Q0LVRpUFM5MHNrdUN1Y01UOXc5TW1jT1duVXR3R0pxbUFRaVQ0VUJXQVI1eWMtR3l0bEVmZVY2NzNGWV9JTjhQQkxCbVJtUUstbHNTZHlhNkM3akw4YS0xcHgzcw?oc=5) · dailylocal.com
- 2024-11-08 [West Chester Capital Advisors, Inc. Announces Rebrand, Name Change to AmeriServ Wealth Advisors, Inc. - Nasdaq](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPLTFuRFdOMUh2V2RPdGxITm1mVENKMU1GSWQxUy1WZFpNVFFmNS03NEM4R09yMmJpVEtmLVA1cXBrYnJtUHBpdDZoSU5yWnpiQkhfZnZyS0dkQlA3UXdwU0RYcDVsS2pDb3J2bmxTVG91cEhMN3ROcEdlcTh4YnZhNmlEendSeXBhRkJOSTh0YkR3Sy0zSk43TXdzZ2VxUzktTmRvRkEtVmtuOUpwdVc3a2pUZVJPeWd6?oc=5) · Nasdaq
- 2025-04-25 [Ameriserv Finl (ASRV) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTE55WHotSmpPZmJlbkdSeVhuZVQyYXV2V196WE9TME1sWF9TMENaamVZZ195cVp4NThsVlQ5SFY2eVhFSjhHMDhfVmNOOTBxYUczdjU0?oc=5) · stocktitan.net
- 2023-06-22 [AmeriServ Financial Elects J. Michael Adams, Jr. as Independent Chairman of the Board of Directors - citybiz](https://news.google.com/rss/articles/CBMizwFBVV95cUxPcHhJbmljd2tjRktwbWNxY0t6T1plNnBEa2g5Ti1yT2U1VDFHTW9QdU1yVVdYd3dmbHJiRng2d19MUzV6RnpUbUp1VWVFMlM4VGFiMW9iSUFnYWE5YnBBdXlvVFBNT1V4c3VKLTVoU0tLWDR3c3F5VW1JR1BWT1dfZmpLQ3NkZTd4aktlMmRMbUtVV1drUHA3NW9IdldKbklVR3ZJN3VHSjlFT3RhUzdNTTdBQUUxM1d5Uk9idmxEM21qd3NJUl9Kd2I3cHlwT1U?oc=5) · citybiz
- 2023-10-23 [West Chester Capital Advisors Expands Capabilities with New Staff Appointments - Sahm](https://news.google.com/rss/articles/CBMiygFBVV95cUxOa3cxVE5IV0dqZGJ0U3J2bUZZcFA5WkNMNVUxSHdaQ0ptTEpBYVNPSnpBVzF4Q3FhcTlJSjdfN3hPM3pqbnY1bWswbW0xRWt4c2NsRDVxTzBELW9nVUFORlV1UDNtdlhSUTMxTnVBUkYwT1ZfVUJ4M0cyS3E5MTI4UklTMkoxaDFNRGJtLTFERlNXOGQ0N0hjUzgtQU1iRG14SlNkdU5FenZxblc4OVlfRmJtT3hNNTc1amt4ZHRKVTU1bWZnakdRMnZR?oc=5) · Sahm
- 2012-10-11 [Why did bank robber demand $1? - News.com.au](https://news.google.com/rss/articles/CBMilwJBVV95cUxQZWZ1d0pRaXdIZHlMZ2FvTUpRWjl0YjJfdmhNZ0h5bHJzQ0VfSEVMMW56ZlM2bkd5eGt2cTJnbXlCR0dKSW5ZbjJIWGlJNlVpTGJ0b2VqeGFHU2JJSlBZZ2N2aXFtY012QXFxU3g0NUljVzRUMU9qME1Yemx2S1NWcy1vbkMxVUtjalpCR0NpR0l0eDUzOE9QNk9JZUdTT2hnVXdaMmdWaTgtUDcxX0ZoNldUMHY1MTFVd01LMDg5ZHdTOVBJMHo3aE9xbnRoWFNYd01Jc1RxOVBobmdkSjFRblF6clVvcDJFMEludWtjekpkVUZ4MGtOX2ZTZzFEYi1UWTBORDhnTDdOQ1Itd3NfbnU5aV94eDA?oc=5) · News.com.au

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=7542 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "7542", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide