Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs Commercial Bank and Trust of PA
Metric by metric
| Measure | Ameriserv Financial Bank | Commercial Bank and Trust of PA |
|---|---|---|
| TellerScore | 60 | 86 (stronger) |
| Capital cushion | 45 | 97 (stronger) |
| Loan quality | 75 | 95 (stronger) |
| Earnings | 55 (stronger) | 42 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 21st | 90th |
| Total assets | $1.5B | $357.5M |
| Deposits / shares | $1.3B | $307.7M |
| Capital ratio | 9.46% | 14.74% (stronger) |
| Problem loans | 0.76% | 0.14% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.05% |
| Return on assets | 0.88% (stronger) | 0.56% |
| Loans ÷ deposits | 79.3% | 53.8% (stronger) |
| Uninsured deposits | 39.3% | 14.5% (stronger) |
| Offices | 16 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 17.7% |
Commercial Bank and Trust of PA has the higher TellerScore (86 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 2 and Commercial Bank and Trust of PA on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.