Ameriserv Financial Bank

Ameriserv Financial Bank is a currently active commercial lending specialization banking institution headquartered in Johnstown, Pennsylvania. Established in 09/23/1933, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Ameriserv Financial Bank manages $1.47B in total assets and holds $1.27B in customer deposits. When evaluating the stability of Ameriserv Financial Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.67%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.73%, while its Return on Equity (ROE) sits at 7.54%. These robust metrics contribute to an overall health score of 8.3 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.