BlastPoint's Banking Scorecard

Ameriserv Financial Bank

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

Designations: ✓ Community bank

Johnstown, PA

17 branches across PA · MD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits +1.5% year over year ($1.3B on the books).
Delinquency rate 0.77%.
Return on assets 0.88%.
Efficiency ratio 74.85% vs a 59.73% peer average.
Loan-to-deposit ratio 79.35% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

Ameriserv Financial Bank has 1 strength but faces 6 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 0.09% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.4% in tier
- Flatlined Growth: Bottom 33.3% in tier
- NIB Deposit Bleed: Bottom 39.1% in tier
- ROA 0.51% below tier average
- Net Interest Margin 0.43% below tier average
- Efficiency Ratio 15.12% above tier average

Get updates when Ameriserv Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$1.5B +1.0% YoY -0.7% QoQ	-$1.3B	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$1.0B -5.0% YoY -1.5% QoQ	-$960.3M	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$1.3B +1.5% YoY -0.6% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	35%
Return on Assets ?	0.88% +128.2% YoY +19.8% QoQ	-0.51%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.44% +6.3% YoY +2.5% QoQ	-0.43%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	74.85% -3.6% YoY -2.3% QoQ	+15.12%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	Bottom 12.5% in tier
Delinquency Rate ?	0.77% -46.3% YoY -1.8% QoQ	-0.09%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	79.35% -6.4% YoY -0.9% QoQ	-5.69%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	13.09% -19.7% YoY +2.7% QoQ	-8.18%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.56% -46.4% YoY -2.4% QoQ	-0.11%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	9.46% -13.6% YoY -19.9% QoQ	-5.38%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	Bottom 1.9% in tier
Non-Interest Income / Assets ?	0.61% +5.9% YoY +116.0% QoQ	+0.08%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 13.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	13.1% -3.2pp YoY +0.3pp QoQ	-8.3pp	21.4%	18.7%	22.2%	19%
Brokered Deposits	n/a	n/a	9.5%	6.8%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	12.3% -0.4pp YoY +0.3pp QoQ	-1.7pp	14.0%	8.6%	12.5%	56%
CRE	55.9% -1.3pp YoY -0.8pp QoQ	+5.9pp	50.0%	37.9%	41.4%	66%
1-4 Family	29.9% +0.7pp YoY +0.5pp QoQ	+3.5pp	26.4%	47.8%	31.3%	66%
Consumer	1.0% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.7%	3.8%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	22.3%	19.7%	n/a
Leverage Ratio	9.5% +0.3pp YoY 0.0pp QoQ	-1.9pp	11.3%	13.2%	12.6%	22%
Total Capital Ratio	n/a	n/a	16.7%	23.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	275 -9 (-3.2%) YoY -1 (-0.4%) QoQ	-39	313	299	482	61%
Assets per Employee ($)	$5.3M +4.3% YoY -0.3% QoQ	-$5.2M	$10.5M	$9.2M	$8.8M	5%
Branch Count	17 0 YoY 0 QoQ	-3	20	20	18	57%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.2%	0.4%	25%
Nonaccrual	0.8% -0.5pp YoY 0.0pp QoQ	0.0pp	0.8%	0.9%	1.0%	66%
Allowance Coverage	1.67x +79.6% YoY +1.0% QoQ	-17.04x	18.71x	3.63x	20.23x	41%
Net Charge-off Rate (YTD)	0.0% -0.5pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	9.0% +4.8pp YoY +1.4pp QoQ	-3.6pp	12.6%	10.2%	11.6%	26%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	0.0pp	1.9%	1.8%	1.7%	54%
Net Income ($, YTD)	$6.4M +132.8% YoY — QoQ	-$12.8M	$19.2M	$18.2M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (3)

Capital Thin

risk

#13 of 222 • Bottom 5.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.46%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Flatlined Growth

risk

#55 of 162 • Bottom 33.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.88%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

NIB Deposit Bleed

decline

#19 of 46 • Bottom 39.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.09%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

116

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.53%

#116 of 885 Top 13.0% in $1B-$10B

Top Weaknesses (4 metrics)

869

Tier 1 Capital Ratio

capital

Value: 9.46%

Peer Median: 14.84%

#869 of 885 Bottom 1.9% in $1B-$10B

775

Efficiency Ratio

profitability

Value: 74.85%

Peer Median: 59.73%

#775 of 885 Bottom 12.5% in $1B-$10B

712

Non-Interest-Bearing Deposit Share

funding

Value: 13.09%

Peer Median: 21.27%

#712 of 885 Bottom 19.7% in $1B-$10B

695

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.39%

#695 of 885 Bottom 21.6% in $1B-$10B