Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs Central Penn Bank & Trust
Metric by metric
| Measure | Ameriserv Financial Bank | Central Penn Bank & Trust |
|---|---|---|
| TellerScore | 60 | 67 (stronger) |
| Capital cushion | 45 (stronger) | 40 |
| Loan quality | 75 (stronger) | 73 |
| Earnings | 55 | 84 (stronger) |
| Funding & liquidity | 54 | 74 (stronger) |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 21st | 44th |
| Total assets | $1.5B | $1.3B |
| Deposits / shares | $1.3B | $1.1B |
| Capital ratio | 9.46% (stronger) | 9.01% |
| Problem loans | 0.76% (stronger) | 0.80% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.88% | 1.61% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 81.6% |
| Uninsured deposits | 39.3% | 18.8% (stronger) |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 1.8% |
Central Penn Bank & Trust has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 3 and Central Penn Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.