ASRV on Nasdaq

AmeriServ Financial

Pennsylvanian bank holding company

AmeriServ Financial, Inc. is a bank holding company based in Johnstown, Pennsylvania.3 From Wikipedia, CC BY-SA 4.0

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Last updated Oct 16, 2026.

Overview

1983Founded1

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  • TickerASRV on Nasdaq1
  • Industrybank1
  • HeadquartersJohnstown1
  • Websitewww.ameriserv.com
  • Incorporated inPA4
  • Business addressMain & Franklin Sts, Po Box 430, Johnstown, Pa 159074
  • Filer categoryNon-accelerated filer, Smaller reporting company4

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AmeriServ footprint 2010-08
Photo: Magog the Ogre ( talk ), CC BY 3.0, via Wikimedia Commons6

AmeriServ Financial, Inc. is a bank holding company based in Johnstown, Pennsylvania. It operates AmeriServ Financial Bank, AmeriServ Trust and Financial Services Company, and AmeriServ Life Insurance Company. The bank operates 16 automated teller machines.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

38.3%Net margin7
-6.3%Revenue growth, 20257
4.7%Return on equity7

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Asset Management brought in 79% of the revenue AmeriServ Financial broke down this way in fiscal 2025.

  1. Asset Management$11.6M779%down 6% from 2024
  2. Financial Service, Other$1.9M713%down 9% from 2024
  3. Deposit Account$1.1M78%down 4% from 2024
Products and services by year
Products and services20242025
Asset Management$12.3M$11.6M
Financial Service, Other$2.1M$1.9M
Deposit Account$1.2M$1.1M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Interest81¢$29.1M
  • Income tax3¢$1.2M
  • Profit16¢$5.6M

Out of $14.6M in revenue.7

Where each dollar of operating cash went, fiscal 2025

  • Dividends paid62¢$2.0M
  • Kept or used elsewhere38¢$1.2M

Out of $3.2M of cash from operations.7

Financial statements

Revenue8910117$14.6M in 2025+15% since 2019
0$5.0M$10.0M$15.0M$20.0M2019: $12.8M$12.8M20192020: $12.8M$12.8M2020+0%2021: $15.0M$15.0M2021+17%2022: $14.7M$14.7M2022−2%2023: $14.5M$14.5M2023−2%2024: $15.6M$15.6M2024+8%2025: $14.6M$14.6M2025−6%
Net income8910117$5.6M in 2025−7% since 2019
-$5.0M0$5.0M$10.0M2019: $6.0M$6.0M20192020: $4.6M$4.6M2020−24%2021: $7.1M$7.1M2021+54%2022: $7.4M$7.4M2022+5%2023: -$3.3M-$3.3M20232024: $3.6M$3.6M20242025: $5.6M$5.6M2025+56%

Every line of the income statement in the latest annual report, as filed.7

Period ending2025-12-312024-12-312023-12-31
Taxable$60.0M$56.6M
Tax exempt$188.0K$121.0K
Interest bearing deposits and short-term investments$826.0K$250.0K
Available for sale$7.6M$7.2M
Held to maturity$2.6M$2.3M
Trading securities$144.0K
Total Interest Income$71.4M$66.5M
Deposits$25.5M$25.4M
Short-term borrowings$266.0K$1.6M
Advances from Federal Home Loan Bank$2.2M$2.3M
Financing lease liabilities$100.0K$108.0K
Subordinated debt$1.1M$1.1M
Total Interest Expense$29.1M$30.5M
Net Interest Income$42.3M$36.0M
Provision for credit losses$4.1M$884.0K
Net Interest Income after Provision for Credit Losses$38.1M$35.2M
Non-interest income$14.6M$15.6M
Mortgage banking revenue$184.0K$304.0K
Trading securities revenue$118.0K
Bank owned life insurance$1.3M$1.1M
Other income$2.7M$3.1M
Total Non-Interest Income$17.0M$18.0M
Salaries and employee benefits$28.9M$28.4M
Net occupancy expense$3.0M$3.0M
Equipment expense$1.6M$1.5M
Professional fees$3.8M$4.8M
Data processing and IT expense$5.0M$4.8M
Supplies, postage and freight$701.0K$670.0K
Miscellaneous taxes and insurance$1.4M$1.3M
Federal deposit insurance expense$987.0K$1.0M
Other expense$3.0M$3.2M
Total Non-Interest Expense$48.3M$48.7M
PRETAX INCOME$6.8M$4.4M
Provision for income taxes$1.2M$798.0K
NET INCOME$5.6M$3.6M-$3.3M
Net income (in dollars per share)$0.34$0.21
Average number of shares outstanding (in shares)16.5M shares16.8M shares
Net income (in dollars per share)$0.34$0.21
Average number of shares outstanding (in shares)16.5M shares16.8M shares

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The story

In January 1983, USBANCORP, INC. was formed as a bank holding company.

In October 1987, AmeriServ Life Insurance Company was formed.

In October 1992, AmeriServ Trust and Financial Services Company was formed.

In May 2001, the company changed its name to AmeriServ Financial, Inc.

In March 2007, the company acquired West Chester Capital Advisors.

In 2009, the company sold its corporate trust bond administration business to U.S. Bancorp.

In August 2011, the company received $21 million from the Small Business Lending Fund, which it used to repay the $21 million investment it received from the United States Department of the Treasury as part of the Troubled Asset Relief Program.

In March 2015, Jeffrey A. Stopko was promoted to chief executive officer of the company.

From Wikipedia’s article on AmeriServ Financial, shared under CC BY-SA 4.0.5

Former names

  • USBANCORP INC /PA/Aug 22, 1994 to May 1, 20014

Timeline

  1. Jan 3, 1994Went public Listed on NASDAQ1
  2. 1983Founded Founded1

Recent filings

  1. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  2. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  3. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  4. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  5. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  6. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  7. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  8. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  9. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  10. Oct 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  11. Sep 14, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  12. Sep 8, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  13. Aug 24, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  14. Aug 24, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
  15. Aug 24, 20264 STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES

Every filing from the last three years, summarized. The full record is on SEC EDGAR.2

Sources

The numbers on this page point here. Each one links to the record it came from.

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