Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs Community Bank
Metric by metric
| Measure | Ameriserv Financial Bank | Community Bank |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 45 | 49 (stronger) |
| Loan quality | 75 | 90 (stronger) |
| Earnings | 55 | 62 (stronger) |
| Funding & liquidity | 54 (stronger) | 46 |
| Problem-loan coverage | 90 | 96 (stronger) |
| Peer percentile | 21st | 40th |
| Total assets | $1.5B | $1.7B |
| Deposits / shares | $1.3B | $1.4B |
| Capital ratio | 9.46% | 9.94% (stronger) |
| Problem loans | 0.76% | 0.29% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.88% | 1.06% (stronger) |
| Loans ÷ deposits | 79.3% (stronger) | 84.3% |
| Uninsured deposits | 39.3% (stronger) | 41.5% |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 18.6% |
Community Bank has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 2 and Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.