Ameriserv Financial Bank

Overview / Commentary

www.ameriserv.com

800-933-2520

216 Franklin Street
Johnstown, PA 15901

Ameriserv Financial Bank is headquartered in Johnstown and is the 38^th largest bank in the state of Pennsylvania. It is also the 687^th largest bank in the nation. It was established in 1933 and as of March of 2019, it had grown to 237 employees at 16 locations. Ameriserv Financial Bank's money market rates are 14% higher than the national average, and it has an A health rating.

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Health

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	7542
Year Established	1933
Employees	237
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	8.29%
Annual Interest Income	$12.1MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$1.15B$1.14B
Loans	Q1 2019vs Q1 2018	$855.0MM$865.8MM
Deposits	Q1 2019vs Q1 2018	$958.0MM$944.4MM
Equity Capital	Q1 2019vs Q1 2018	$104.7MM$101.1MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$8.1MM$9.9MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$1.2MM$2.0MM
Real Estate Owned	Q1 2019vs Q1 2018	$18.00K$168.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ameriserv Financial Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.04%	-	-	Education IRA
0.50%	-	-	Accumulation IRA
0.25%	$10	-	eHoliday Club
0.20%^*	$25k^*	-	SOAR Statement Savings
OTHER TIERS: 0.10% → Up to $25k

Ameriserv Financial Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.20% → Up to $20k \| 0.25% → $20k - $100k

Ameriserv Financial Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$100k^*	-	ComfortLife Checking
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $25k \| 0.15% → $25k - $100k

Ameriserv Financial Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$1k	-	5 Year CD
2.20%	$1k	-	2 Year CD
1.85%	$1k	-	90 Day (Flexible CD)
1.50%	$1k	-	4 Year CD
1.45%	$1k	-	2 Year (Flexible CD)
1.44%	$1k	-	3 Year CD
1.40%	$1k	-	10 Year CD
1.30%	$1k	-	30 Month MaxLift CD (with Checking)
0.80%	$1k	-	30 Month MaxLift CD (without Checking)
0.65%	$1k	-	30 Month CD
0.50%	$1k	-	18 Month CD
0.40%	$1k	-	1 Year CD
0.35%	$1k	-	6 Month CD
0.35%	$1k	-	9 Month CD
0.25%	$2.5k	-	3 Month CD

Ameriserv Financial Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	$1k	-	5 Year IRA
2.20%	$1k	-	2 Year IRA
1.50%	$1k	-	4 Year IRA
1.44%	$1k	-	3 Year IRA
1.40%	$1k	-	10 Year IRA
0.65%	$1k	-	30 Month IRA
0.50%	$1k	-	18 Month IRA
0.40%	$1k	-	1 Year IRA
0.35%	$1k	-	182 Day IRA

Locations

Availability

Johnstown Area

Johnstown Area bank & credit union details

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