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Ameriserv Financial Bank

IDRSSD: 928618
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #928618 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.87% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.28% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -8 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 88.1%, cash 0.9% of assets.

Cash / Assets
0.87%
Loans / Deposits
88.06%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.87% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.63%
No watch items at this period.

Capitalization

StableQoQ -9
65
Sub-score

Capital position is stable: Tier 1 RBC 10.57%, CET1 10.57%, leverage 8.69%.

Tier 1 RBC
10.57%
CET1
10.57%
Leverage
8.69%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 1.21%, Texas Ratio 9.1%, NCO YTD 1.28%.

Adjusted NPL
1.21%
Govt-guarantees stripped
Texas Ratio
9.1%
NCO YTD
1.28%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.28% of loans.

Reserves

Strong
81
Sub-score

Reserves are strong: ALLL 1.45% of loans, coverage 121.6%, true coverage 121.2%.

ALLL / Loans
1.45%
Coverage
121.6%
True Loss Coverage
121.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 14:31:02 UTC