Headquartered in Johnstown, Pennsylvania, Ameriserv Financial Bank is a state-chartered bank (fed member) with $1.5B in total assets and $1.3B in deposits as of Q2 2026. It operates 17 offices across 2 states. Its charter dates back to 1933.
Based on its Q2 2026 filing, Ameriserv Financial Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 82nd. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (45/100; 9.46%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (48 → 60), mostly because the loan quality component improved by 22 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 52 |
| Q4 2024 | 52 |
| Q1 2025 | 52 |
| Q2 2025 | 48 |
| Q3 2025 | 51 |
| Q4 2025 | 57 |
| Q1 2026 | 59 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.76% |
| Q3 2024 | 8.77% |
| Q4 2024 | 9.14% |
| Q1 2025 | 9.20% |
| Q2 2025 | 9.12% |
| Q3 2025 | 9.26% |
| Q4 2025 | 9.32% |
| Q1 2026 | 9.45% |
| Q2 2026 | 9.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 0.94% |
| Q4 2024 | 1.02% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.42% |
| Q3 2025 | 1.39% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.76% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.68% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $1.5B | 9.46% | 0.76% | 0.88% | 79.3% |
| Q1 2026 | 59 | $1.5B | 9.45% | 0.78% | 0.73% | 80.1% |
| Q4 2025 | 57 | $1.4B | 9.32% | 0.80% | 0.60% | 81.6% |
| Q3 2025 | 51 | $1.5B | 9.26% | 1.39% | 0.54% | 82.7% |
| Q2 2025 | 48 | $1.4B | 9.12% | 1.42% | 0.38% | 84.7% |
| Q1 2025 | 52 | $1.4B | 9.20% | 1.29% | 0.68% | 86.1% |
| Q4 2024 | 52 | $1.4B | 9.14% | 1.02% | 0.51% | 87.7% |
| Q3 2024 | 52 | $1.4B | 8.77% | 0.94% | 0.38% | 86.1% |
| Q2 2024 | 51 | $1.4B | 8.76% | 1.06% | 0.39% | 87.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Pennsylvania
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Marquette Savings BankBank Erie, PA | 73 out of 100, Strong | $1.4B | 13.6% | 0.66% | vs |
| Washington Financial BankBank Washington, PA | 81 out of 100, Strong | $1.4B | 14.7% | 0.46% | vs |
| 1st Summit BankBank Johnstown, PA | 60 out of 100, Moderate | $1.5B | 8.6% | 0.44% | vs |
| First Keystone Community BankBank Berwick, PA | 50 out of 100, Below average | $1.6B | 9.7% | 2.11% | vs |
| Central Penn Bank & TrustBank Mifflinburg, PA | 67 out of 100, Moderate | $1.3B | 9.0% | 0.80% | vs |
| Community BankBank Carmichaels, PA | 66 out of 100, Moderate | $1.7B | 9.9% | 0.29% | vs |
Deposit insurance
Is my money safe at Ameriserv Financial Bank?
Yes. Ameriserv Financial Bank is an FDIC-insured institution (FDIC certificate #7542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.3% of deposits ($497.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.46%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
17 locations
Branches
Ameriserv Financial Bank lists 16 offices in 14 cities across 2 states. Most locations:
- Johnstown, PA (3)
- Carrolltown, PA (1)
- Central City, PA (1)
- Derry, PA (1)
- Ebensburg, PA (1)
- Hagerstown, MD (1)
- Meyersdale, PA (1)
- Nanty Glo, PA (1)
- Northern Cambria, PA (1)
- Pittsburgh, PA (1)
- Seward, PA (1)
- Somerset, PA (1)
HMDA 2025
Mortgage lending
In 2025, Ameriserv Financial Bank reported 417 home-loan applications under HMDA (LEI 54930089UXPZ6O3RHG71): 286 originated ($43,940,000 total), 97 denied, and 27 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Ameriserv Financial Bank
- Former names
- United States National Bank in Johnstown; U.S. Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 7542
- RSSD ID
- 928618
- Primary regulator
- FED
- Holding company
- Ameriserv Financial Inc
- Established
- September 23, 1933
- Headquarters
- 216 Franklin St, Johnstown, PA 15901
- Website
- ameriserv.com
- Employees
- 275
Quick answers
Ameriserv Financial Bank: common questions
Is Ameriserv Financial Bank FDIC insured?
Yes. Ameriserv Financial Bank is an FDIC-insured institution (FDIC certificate #7542). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Ameriserv Financial Bank's TellerScore?
60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Ameriserv Financial Bank ever failed?
There is no failure record for FDIC certificate #7542 in the FDIC failed bank list.
How many branches does Ameriserv Financial Bank have?
17 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Johnstown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C-B-W Schools Federal Credit UnionCredit union Sidman, PA | 91 out of 100, Very strong | $131.8M | 29.8% | 0.33% | vs |
| G.A.P. Federal Credit UnionCredit union Johnstown, PA | 87 out of 100, Very strong | $79.0M | 13.7% | 0.74% | vs |
| Commercial Bank and Trust of PABank Latrobe, PA | 86 out of 100, Very strong | $357.5M | 14.7% | 0.14% | vs |
| Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA | 79 out of 100, Strong | $37.3M | 13.7% | 0.42% | vs |
| Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA | 78 out of 100, Strong | $173.7M | 12.5% | 0.37% | vs |
| Healthcare First Credit UnionCredit union Johnstown, PA | 76 out of 100, Strong | $100.6M | 13.5% | 1.27% | vs |