---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-101052"
form_type: "8-K"
ticker: "ASRV"
cik: "0000707605"
company_name: "AMERISERV FINANCIAL INC /PA/"
filed_at: "2025-10-21T23:59:59+00:00"
generated_at: "2026-05-17T03:08:22.551564+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# AmeriServ Q3 net income $2.544M ($0.15 EPS) up 115% YoY; declares $0.03 dividend

## Summary
- Q3 net income $2.544M ($0.15 diluted EPS) vs $1.183M ($0.07) YoY; nine-month net income $4.170M ($0.25) up 56.3%.
- Net interest margin improved 56 bps to 3.27% in Q3; net interest income up 23.9% ($2.1M) YoY.
- Total loans averaged $1.067B; net charge-offs $2.9M (0.37% of avg loans) in nine months; non-performing assets down 8.9% to $15.0M.
- Wealth management fees down 6.6% in Q3; BOLI revenue up $289K from death claims.
- Board declared $0.03/share quarterly dividend (4.0% annualized yield), payable Nov 17 to Nov 3 record holders.

## SEC filing metadata
- accession: 0001104659-25-101052
- form_type: 8-K
- ticker: ASRV
- cik: 0000707605
- company_name: AMERISERV FINANCIAL INC /PA/
- filed_at: 2025-10-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/707605/000110465925101052/0001104659-25-101052-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707605/000110465925101052/asrv-20251021x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-101052
- JSON: https://secwatch.observer/filing/0001104659-25-101052.json
- Plain text: https://secwatch.observer/filing/0001104659-25-101052.txt

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