What is Ameriserv Financial Bank's financial health grade?

Ameriserv Financial Bank has a TFS Financial Health Grade of D+ (score: 68.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Ameriserv Financial Bank have?

Ameriserv Financial Bank has 17 branch locations across the United States.

Is Ameriserv Financial Bank FDIC insured?

Yes, Ameriserv Financial Bank is FDIC insured (Certificate #7542).

What are the total assets of Ameriserv Financial Bank?

Ameriserv Financial Bank has total assets of $1.4B as reported in its most recent FDIC filing.

Ameriserv Financial Bank

BankJohnstown, Pennsylvania

AmeriServ.com

Total Assets

$1.4B

Total Deposits

$1.2B

Branches

Established

1933

TFS Health Grade

D+

68.1 / 100

Below average financial health

How we grade

Ameriserv Financial Bank is a bank headquartered in Johnstown, Pennsylvania, established in 1933. With $1.4B in total assets and 17 branch locations, it has a TFS Financial Health Grade of D+ (68.1/100).

Capital & Safety

Tier 1 Capital Ratio

9.32%(8%)

Total Capital Ratio

12.88%(10%)

Non-Performing Loan Ratio

0.80%

Profitability

Return on Assets (ROA)

0.60%(1%)

Return on Equity (ROE)

6.42%(10%)

Net Interest Margin

3.33%

Efficiency Ratio

75.57%(60%)

Lending & Liquidity

Total Loans

$1.0B

Loan-to-Deposit Ratio

81.61%

Net Charge-Off Ratio

0.46%

Growth

Asset Growth (YoY)

+2.28%

Deposit Growth (YoY)

+3.88%

Net Income

$8.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Ameriserv Financial BankHQ	216 Franklin St	Johnstown	PA	11
Ameriserv Financial Bank	12806 Shank Farm Way	Hagerstown	MD	11
Ameriserv Financial Bank	101 S Main St	Carrolltown	PA	11
Ameriserv Financial Bank	104 Sunshine Ave	Central City	PA	11
Ameriserv Financial Bank	112 S Chestnut St	Derry	PA	11
Ameriserv Financial Bank	179 Lovell Ave	Ebensburg	PA	11
Ameriserv Financial Bank	1213 Scalp Ave	Johnstown	PA	23
Ameriserv Financial Bank	110 Plaza Dr	Johnstown	PA	11
Ameriserv Financial Bank	1404 Eisenhower Blvd	Johnstown	PA	11
Ameriserv Financial Bank	135 Center St	Meyersdale	PA	11
Ameriserv Financial Bank	1383 Shoemaker St	Nanty Glo	PA	11
Ameriserv Financial Bank	4206 Crawford Ave	Northern Cambria	PA	11
Ameriserv Financial Bank	60 Boulevard Of The Allies	Pittsburgh	PA	11
Ameriserv Financial Bank	6858 Route 711	Seward	PA	11
Ameriserv Financial Bank	108 W Main St	Somerset	PA	11
Ameriserv Financial Bank	1857 N Atherton St	State College	PA	11
Ameriserv Financial Bank	1501 Somerset Ave	Windber	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.