| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +5.5% | -4.5 pts |
| Deposit growth (YoY) | +1.5% | +5.1% | -3.5 pts |
| Loan growth (YoY) | -5.0% | +5.9% | -10.9 pts |
| ROA | 0.88% | 1.26% | -0.4 pts |
| ROE | 9.0% | 12.2% | -3.2 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.46B | $1.26B | $1.00B | $144.4M | $6.4M | 0.88% | 3.44% | 0.56% |
| Q1 2026 | $1.47B | $1.27B | $1.02B | $142.0M | $2.7M | 0.73% | 3.35% | 0.58% |
| Q4 2025 | $1.45B | $1.25B | $1.02B | $141.5M | $8.6M | 0.60% | 3.33% | 0.57% |
| Q3 2025 | $1.46B | $1.26B | $1.04B | $137.1M | $5.9M | 0.54% | 3.30% | 1.01% |
| Q2 2025 | $1.44B | $1.25B | $1.06B | $133.6M | $2.7M | 0.38% | 3.23% | 1.05% |
| Q1 2025 | $1.43B | $1.22B | $1.05B | $132.4M | $2.4M | 0.68% | 3.18% | 0.96% |
| Q4 2024 | $1.42B | $1.20B | $1.05B | $127.9M | $7.1M | 0.51% | 2.95% | 0.92% |
| Q3 2024 | $1.39B | $1.19B | $1.03B | $122.0M | $3.9M | 0.38% | 2.89% | 0.82% |
Loan mix (Q2 2026): real estate $862.4M · commercial $123.1M · consumer $10.0M · securities $287.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Ameriserv Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.2% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Ameriserv Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Ameriserv Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Ameriserv Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Ameriserv Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.