Ameriserv Financial Bank
Johnstown, PA
IDRSSD: 928618
Total Assets
$1.45B
Latest filing
Total Deposits
$1.25B
Latest filing
Net Interest Margin
3.40%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
031301066JOHNSTOWN, PA
Key People
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Locations
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Main Office
Ameriserv Financial Bank
216 Franklin St
Johnstown, PA 15901
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/23/1933FDIC Certificate 4895
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Ameriserv Financial Bank (Main) | 216 Franklin St | Johnstown, PA |
| CARROLLTOWN BRANCH | 101 S Main St | Carrolltown, PA |
| CENTRAL CITY BRANCH | 104 Sunshine Ave | Central City, PA |
| NANTY-GLO BRANCH | 1383 Shoemaker St | Nanty Glo, PA |
| SOMERSET BRANCH | 108 W Main St | Somerset, PA |
| WINDBER BRANCH | 1501 Somerset Ave | Windber, PA |
| LOVELL PARK BRANCH | 179 Lovell Ave | Ebensburg, PA |
| UNIVERSITY HEIGHTS BRANCH | 1404 Eisenhower Blvd | Johnstown, PA |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/23/1933 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 15901 |
| State and County Number | 42021 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Johnstown, PA |
Operational Info
| Number of Employees | 281 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | AmeriServ.com |
| Data Updated | 01/30/2026 |
| CERT | 7542 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.45B |
| Total Deposits | $1.25B |
| Total Liabilities | $1.31B |
| Total Equity Capital | $141.45M |
| Net Income | $2.77M |
| Net Loans and Leases | $1.02B |
| Assets Per Employee ($Millions) | $5.29M |
| Bank Premises and Fixed Assets | $17.37M |
| Cash and Balances due from Depository Institutions | $50.74M |
| Deposits Held in Domestic Offices | $1.25B |
Key Performance Ratios
| Return on Assets (ROA) | 0.76% |
| Return on Equity (ROE) | 7.96% |
| Net Interest Margin | 3.4% |
| Efficiency Ratio | 73.91% |
| Tier 1 Risk-Based Capital Ratio | 11.704% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.757% |
| Earning Assets to total Assets | 90.44% |
Income and Expense
| Total Interest Income | $18.12M |
| Total Noninterest Income | $4.52M |
| Total Interest Expense | $6.96M |
| Total Noninterest Expense | $11.59M |
| Net Interest Income | $11.16M |
| Pre-tax Net Operating Income | $3.36M |
| Provision for Credit Losses | $724.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $47.12M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.63M |
| Total Liabilities and Capital | $1.45B |
Securities
| Securities | $244.70M |
| Available-for-sale debt securities | $172.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $72.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $7.25M |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Ameriserv Financial Bank?
$1.45B as of the latest filing.
How much are Ameriserv Financial Bank's total deposits?
$1.25B in total deposits.
Where is Ameriserv Financial Bank located?
Johnstown, PA.
What is the Net Interest Margin?
3.40%.
How many domestic offices does it operate?
17.
When was it established?
09/23/1933.
What is the Return on Assets (ROA)?
0.76%.
How much are total loans and leases?
$1.02B (latest filing).
What is the total interest income (latest filing)?
$18.12M.