AMERISERV FINANCIAL BANK
JOHNSTOWN, PENNSYLVANIA · FDIC Cert #7542
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.
Frequently Asked Questions
AMERISERV FINANCIAL BANK has a Bank Health Score of C (63/100). 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.
AMERISERV FINANCIAL BANK holds $1.4B in total assets and $1.2B in total deposits. It is located in JOHNSTOWN, PENNSYLVANIA (FDIC Certificate #7542).
AMERISERV FINANCIAL BANK has a Tier 1 capital ratio of 10.44%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.