Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs 1st Summit Bank
Metric by metric
| Measure | Ameriserv Financial Bank | 1st Summit Bank |
|---|---|---|
| TellerScore | 60 | 60 |
| Capital cushion | 45 (stronger) | 36 |
| Loan quality | 75 | 85 (stronger) |
| Earnings | 55 (stronger) | 46 |
| Funding & liquidity | 54 | 66 (stronger) |
| Problem-loan coverage | 90 | 93 (stronger) |
| Peer percentile | 21st | 21st |
| Total assets | $1.5B | $1.5B |
| Deposits / shares | $1.3B | $1.2B |
| Capital ratio | 9.46% (stronger) | 8.61% |
| Problem loans | 0.76% | 0.44% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.88% (stronger) | 0.66% |
| Loans ÷ deposits | 79.3% | 77.3% (stronger) |
| Uninsured deposits | 39.3% | 29.8% (stronger) |
| Offices | 16 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 20.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 2 and 1st Summit Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.