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Ameriserv Financial Bank
Johnstown, PA · FDIC Certificate #7542 · Chartered 09/2
Total assets
$1.46B
Total deposits
$1.26B
Total equity
$144.41M
Net loans
$1.00B
Branches (offices)
17
Net income (YTD)
$6.40M
Rank: #761 of 4,213 U.S. banks by assets · #35 of 109 in Pennsylvania. Assets changed 1.0% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.88% |
| Return on equity | 8.98% |
| Net interest margin (YTD) | 3.44% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 9.46% |
| Uninsured deposits (share of deposits) | 39.3% |
| Noncurrent loans (share of loans) | 0.76% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $862.45M | 86.0% | |
| Commercial & industrial | $123.05M | 12.3% | |
| Consumer / individual | $10.05M | 1.0% | |
| Construction & development | $44.30M | 4.4% | |
| Agricultural | $5.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.31B | $1.15B | $4.73M | $117.48M |
| Jun 2023 | $1.33B | $1.13B | $3.24M | $115.63M |
| Jun 2024 | $1.39B | $1.17B | $2.72M | $117.97M |
| Jun 2025 | $1.44B | $1.25B | $2.75M | $133.63M |
| Jun 2026 | $1.46B | $1.26B | $6.40M | $144.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.24B | 16 |
| Maryland | $25.58M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.26B.
Similar-sized banks
North State Bank ($1.46B) · Pegasus Bank ($1.46B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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