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Ameriserv Financial Bank

$1B-$10B Specialty: Commercial PA FDIC cert 7542

Designations: ✓ Community bank

Johnstown, PA

17 branches across PA · MD

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Ameriserv Financial Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.46% below tier average
  • - Efficiency Ratio 15.55% above tier average
Get updates when Ameriserv Financial Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.5B
+2.9% YoY +1.3% QoQ
-$1.3B $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
33%
Total Loans ? $1.0B
-2.9% YoY -0.2% QoQ
-$946.6M $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
32%
Total Deposits ? $1.3B
+4.4% YoY +1.8% QoQ
-$1.1B $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
35%
Return on Assets ? 0.73%
+7.1% YoY +22.0% QoQ
-0.63% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
18%
Net Interest Margin ? 3.35%
+5.5% YoY +0.7% QoQ
-0.46% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
32%
Efficiency Ratio ? 76.61%
-3.6% YoY +1.4% QoQ
+15.55% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
Bottom 12.3% in tier
Delinquency Rate ? 0.79%
-39.7% YoY -3.4% QoQ
-0.10% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
36%
Loan-to-Deposit Ratio ? 80.07%
-7.0% YoY -1.9% QoQ
-4.13% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
66%
Non-Interest-Bearing Deposit Share ? 12.75%
-12.1% YoY +0.1% QoQ
-8.54% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
19%
Nonperforming Asset Ratio ? 0.58%
-40.1% YoY +0.8% QoQ
-0.10% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
38%
Tier 1 Capital Ratio ? 11.80%
+6.6% YoY +0.8% QoQ
-3.36% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.28%
-3.4% YoY -76.3% QoQ
+0.02% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
85%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

137
Non-Interest Income / Assets
revenue_mix
Value: 0.28%
Peer Median: 0.26%
#137 of 884 Top 15.4% in $1B-$10B

Top Weaknesses (3 metrics)

776
Efficiency Ratio
profitability
Value: 76.61%
Peer Median: 61.06%
#776 of 884 Bottom 12.3% in $1B-$10B
726
Return on Assets
profitability
Value: 0.73%
Peer Median: 1.37%
#726 of 884 Bottom 18.0% in $1B-$10B
719
Non-Interest-Bearing Deposit Share
funding
Value: 12.75%
Peer Median: 21.29%
#719 of 884 Bottom 18.8% in $1B-$10B
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