AMERISERV FINANCIAL INC /PA/ — Form 8-K
Filed July 23, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
AmeriServ Financial (ASRV), a $46.4M market-cap community bank, reported Q2 2026 net income of $1.908M (H1 2026: $3.796M combined) and EPS of $0.16 for Q2 2026. Net interest income improved to $11.336M in Q2 2026 (up from $10.828M in Q1 2026), with net interest margin at 3.34% (vs. 3.26% in Q1 2026). Total assets stand at $1.457B, total loans at $1.014B, deposits at $1.258B, and shareholders' equity at $123.1M as of 6/30/2026. Non-performing loans were $7.8M (0.76% of loans). The company maintains a $2.8B wealth management division and pays a quarterly dividend of $0.03/share.
Why this rating
Solid Q2 results and margin recovery are encouraging for a small bank, but earnings remain volatile ($1.9M in Q2 vs. $0.9M in Q1 2025; negative in Q4 2024). At $46.4M market cap, Q2 earnings of $1.9M is 4% of market value—material but not transformational. No major M&A, regulatory action, or balance-sheet restructuring disclosed.
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