---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-071635"
form_type: "8-K"
ticker: "ASRV"
cik: "0000707605"
company_name: "AMERISERV FINANCIAL INC /PA/"
filed_at: "2025-07-29T23:59:59+00:00"
generated_at: "2026-05-17T23:52:23.810765+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# AmeriServ reports Q2 2025 net loss of $282k EPS ($0.02) on $3.1M provision

## Summary
- Q2 net loss $282k vs Q1 net income $1.9M; EPS ($0.02) vs $0.12.
- Net interest income $10.4M, NIM 3.10%, sixth consecutive quarterly growth.
- Provision for credit losses surged to $3.1M in Q2, driving the loss.
- NPLs $15.2M (1.42% of loans); management expects ~$5M decline in Q3.
- Tangible book value $5.89; quarterly dividend held at $0.03/share (~4% yield).

## SEC filing metadata
- accession: 0001104659-25-071635
- form_type: 8-K
- ticker: ASRV
- cik: 0000707605
- company_name: AMERISERV FINANCIAL INC /PA/
- filed_at: 2025-07-29T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/707605/000110465925071635/0001104659-25-071635-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707605/000110465925071635/tm2521976d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-071635
- JSON: https://secwatch.observer/filing/0001104659-25-071635.json
- Plain text: https://secwatch.observer/filing/0001104659-25-071635.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.