Ameriserv Financial Bank
Johnstown, Pennsylvania · FDIC Cert #7542
Ameriserv Financial Bank is an FDIC-insured bank (Certificate #7542) with $1.4B in total assets and $1.2B in total deposits as of the Q2 2024 Call Report. Headquartered in Johnstown, Pennsylvania, the bank maintains a Tier 1 capital ratio of 10.44% (Well-Capitalized) and a nonperforming loan ratio of 1.06%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Ameriserv Financial Bank (FDIC cert 7542) is a mid-sized bank with $1.4B in total assets and $1.2B in deposits, based in Johnstown, Pennsylvania. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is adequate: Tier 1 capital ratio of 10.44% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 1.06% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 17.3% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is thin: ROA of 0.49% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Ameriserv Financial Bank carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Ameriserv Financial Bank
- Total Assets
- $1.4B
- Total Deposits
- $1.2B
- Tier 1 Capital Ratio
- 10.44%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.06%
- Liquidity Ratio
- 17.28%
- Return on Assets
- 0.49%
- Headquarters
- Johnstown, Pennsylvania
- FDIC Certificate
- #7542
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Ameriserv Financial Bank holds a Tier 1 capital ratio of 10.44%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Ameriserv Financial Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Ameriserv Financial Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Ameriserv Financial Bank Compares
Ameriserv Financial Bank’s Health Score of 63 is 7 points below the Pennsylvania state average of 70 across 119 FDIC-insured banks. Its 10.44% Tier 1 capital ratio is 3.6 points below the US banking industry average near 14%. The 1.06% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.49% is below the national ROA benchmark of ~1.1%. Among 814 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, Ameriserv Financial Bank is 7 points below the portfolio average of 70.
Frequently Asked Questions
Ameriserv Financial Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 10.44%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Ameriserv Financial Bank's Tier 1 capital ratio of 10.44% and nonperforming loan ratio of 1.06% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Ameriserv Financial Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #7542). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Ameriserv Financial Bank holds $1.4B in total assets and $1.2B in total deposits. It is headquartered in Johnstown, Pennsylvania (FDIC Certificate #7542).
Ameriserv Financial Bank has a Tier 1 capital ratio of 10.44%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.06%, and the return on assets is 0.49%.
Yes. Ameriserv Financial Bank is FDIC-insured (Certificate #7542). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Ameriserv Financial Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.