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Ameriserv Financial Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -3

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

Quarterly Headline

2025-Q2

Bank #928618 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.09% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.7%, cash 1.6% of assets.

Cash / Assets
1.65%
Loans / Deposits
84.75%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.68%
No watch items at this period.

Capitalization

StableQoQ -2
64
Sub-score

Capital position is stable: Tier 1 RBC 10.94%, CET1 10.94%, leverage 9.03%.

Tier 1 RBC
10.94%
CET1
10.94%
Leverage
9.03%
No watch items at this period.

Asset Quality

StrongQoQ -8
83
Sub-score

Asset quality is strong: Adjusted NPL 1.44%, Texas Ratio 10.4%, NCO YTD 1.09%.

Adjusted NPL
1.44%
Govt-guarantees stripped
Texas Ratio
10.4%
NCO YTD
1.09%
30-89 PD
0.14%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.09% of loans.

Reserves

StableQoQ -5
64
Sub-score

Reserves are stable: ALLL 1.31% of loans, coverage 92.7%, true coverage 88.2%.

ALLL / Loans
1.31%
Coverage
92.7%
True Loss Coverage
88.2%
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