Side-by-side · Q2 2026 data
First Keystone Community Bank vs Ameriserv Financial Bank
Metric by metric
| Measure | First Keystone Community Bank | Ameriserv Financial Bank |
|---|---|---|
| TellerScore | 50 | 60 (stronger) |
| Capital cushion | 47 (stronger) | 45 |
| Loan quality | 30 | 75 (stronger) |
| Earnings | 53 | 55 (stronger) |
| Funding & liquidity | 68 (stronger) | 54 |
| Problem-loan coverage | 72 | 90 (stronger) |
| Peer percentile | 7th | 21st |
| Total assets | $1.6B | $1.5B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 9.69% (stronger) | 9.46% |
| Problem loans | 2.11% | 0.76% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 0.81% | 0.88% (stronger) |
| Loans ÷ deposits | 79.4% | 79.3% (stronger) |
| Uninsured deposits | 26.6% (stronger) | 39.3% |
| Offices | 19 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 24.9% |
Ameriserv Financial Bank has the higher TellerScore (60 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Keystone Community Bank leads on 3 and Ameriserv Financial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.