Ameriserv Financial Bank
Johnstown, Pennsylvania, Cambria County
$1.5B in total assets, the 779th largest of 4,309 US banks and 35th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7542
- Established
- 1933
- Owned by
- Ameriserv Financial Inc
- Primary regulator
- FED
- Website
- AmeriServ.com
At a glance
Compared with 36 banks headquartered in Pennsylvania with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.5B | 28% | $2.4B | |
| Loans | $1.0B | 31% | $1.7B | |
| Deposits | $1.3B | 33% | $2.0B | |
| Return on assets | 0.84% | 22% | 1.19% | |
| Net interest margin | 3.44% | 33% | 3.75% | |
| Efficiency ratio | 74.8% | 92% | 58.6% | |
| Equity to assets | 9.90% | 42% | 10.49% | |
| Loans to deposits | 80% | 11% | 90% |
Growth
Total assets grew 1.6% a year over the last 5 years and 2.6% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 1994 | Johnstown Interim Bank Johnstown, PA | $344M |
| Sep 1976 | The First National Bank of Coalport Coalport, PA | n/a |
Where they operate
17 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cambria County, PA | $853M | 21.0% | 2 of 13 |
| Somerset County, PA | $149M | 8.6% | 4 of 7 |
| Allegheny County, PA | $149M | 0.1% | 21 of 31 |
| Westmoreland County, PA | $65M | 0.6% | 17 of 21 |
| Washington County, MD | $26M | 0.7% | 12 of 13 |
| Centre County, PA | $23M | 0.5% | 15 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (17 branches then and now). 3 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 17 | |||
| 2016 | Closed State College | 0 | 1 | −1 | 16 |
| 2017 | Opened JohnstownClosed Johnstown | 1 | 1 | 0 | 16 |
| 2018 | Opened Hagerstown | 1 | 0 | +1 | 17 |
| 2021 | Opened Meyersdale | 1 | 0 | +1 | 18 |
| 2024 | Closed Johnstown | 0 | 1 | −1 | 17 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 32% | |
| 1-4 family residential | 30% | 35% | |
| Business (C&I) | 12% | 10% | |
| Multifamily | 7% | 7% | |
| Construction and land | 4% | 6% | |
| Consumer | 1% | 3% | |
| Farmland | 0% | 3% | |
| Other | 2% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 58% | 54% | |
| Time deposits | 29% | 27% | |
| Noninterest-bearing | 13% | 20% |
Brokered deposits are 0.0% of deposits (peers 2.7%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.81% | 0.56% |
| Net charge-offs, annualized | 0.04% | 0.04% |
| Reserves to loans | 1.27% | 0.98% |
| Leverage ratio | 9.46% | 9.95% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Cambria County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/ameriserv