Ameriserv Financial Bank (FDIC #7542): Bank Stress & Real-Estate Credit Exposure
Ameriserv Financial Bank (FDIC Cert #7542): bank stress 73/100, elevated, STABLE over 7 days; parent AMERISERV FINANCIAL INC.
Ameriserv Financial Bank (#7542) lends in 6 counties across 2 states; Ameriserv Financial Bank (#7542) reaches 342 ZIP codes: Pennsylvania 5 counties, 321 ZIPs; Maryland 1 county, 21 ZIPs.
Ameriserv Financial Bank (#7542) largest markets: Allegheny County, PA (119 branches, 119 ZIPs) (#7542), Westmoreland County, PA (178 branches, 89 ZIPs) (#7542), Cambria County, PA (416 branches, 52 ZIPs) (#7542), Somerset County, PA (164 branches, 41 ZIPs) (#7542), Centre County, PA (35 branches, 35 ZIPs) (#7542), Washington County, MD (21 branches, 21 ZIPs) (#7542).
Ameriserv Financial Bank (#7542) reports $1.46 billion in total assets; Ameriserv Financial Bank (#7542) equity $144.4 million (9.9% of Ameriserv Financial Bank (#7542) assets); Ameriserv Financial Bank (#7542) domestic deposits $1.26 billion; Ameriserv Financial Bank (#7542) net income $6.4 million; Ameriserv Financial Bank (#7542) return on assets 0.88%; Ameriserv Financial Bank (#7542) return on equity 8.98%; Ameriserv Financial Bank (#7542) net interest income $22.6 million; Ameriserv Financial Bank (#7542) call report June 30, 2026.
Ameriserv Financial Bank (#7542) noncurrent real-estate loans 0.05% of its book; Ameriserv Financial Bank (#7542) residential 0.11%; Ameriserv Financial Bank (#7542) net charge-offs on real estate 0.67%; Ameriserv Financial Bank (#7542) residential charge-offs 0.48%.
Ameriserv Financial Bank (#7542) net interest margin 3.44% against an eight-quarter Ameriserv Financial Bank (#7542) average of 3.21% (Ameriserv Financial Bank (#7542) compression -0.23 points); Ameriserv Financial Bank (#7542) real-estate loans 4.5% of equity; Ameriserv Financial Bank (#7542) non-residential real estate 48.2% of equity; Ameriserv Financial Bank (#7542) rate-exposure score 40/100, Ameriserv Financial Bank (#7542) fixed-rate trap 40/100; Ameriserv Financial Bank (#7542) risk type credit driven; Ameriserv Financial Bank (#7542) rate regime rates elevated, Ameriserv Financial Bank (#7542) snapshot October 19, 2026.
Ameriserv Financial Bank (#7542) stress score moved from 75.4 on June 22, 2026 to 73.3 on October 19, 2026; Ameriserv Financial Bank (#7542) ranged 73.3 to 75.4 over 116 snapshots.
Ameriserv Financial Bank (#7542) alerts: 6 counties; top Ameriserv Financial Bank (#7542) alert scores: Hagerstown County, PA 24 (low); Northern Cambria County, PA 24 (low); Pittsburgh County, PA 24 (low); Seward County, PA 24 (low); State College County, PA 24 (low).