---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-004852"
form_type: "8-K"
ticker: "ASRV"
cik: "0000707605"
company_name: "AMERISERV FINANCIAL INC /PA/"
filed_at: "2026-01-20T23:59:59+00:00"
generated_at: "2026-05-16T09:39:59.229894+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# AmeriServ Financial Q4 net income $1.44M ($0.09 EPS), up 62% YoY; declares $0.03 dividend

## Summary
- Q4 net income $1.442M ($0.09 diluted EPS) vs $889K ($0.05) YoY; full year net income $5.612M ($0.34 EPS) vs $3.601M ($0.21).
- Net interest margin improved 34 bps to 3.15% for full year; net interest income +$6.2M (17.2%).
- Provision for credit losses $4.1M in 2025 vs $884K in 2024, driven by $3.1M charge-off on largest CRE loan.
- Non-performing assets down 43% to $8.5M; book value per share up 11.2% to $7.22.
- Board declared $0.03/share quarterly dividend payable Feb 17, 2026; record Feb 2, 2026; yield 3.7% at $3.22 close.

## SEC filing metadata
- accession: 0001104659-26-004852
- form_type: 8-K
- ticker: ASRV
- cik: 0000707605
- company_name: AMERISERV FINANCIAL INC /PA/
- filed_at: 2026-01-20T23:59:59+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/707605/000110465926004852/0001104659-26-004852-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707605/000110465926004852/asrv-20260120x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-004852
- JSON: https://secwatch.observer/filing/0001104659-26-004852.json
- Plain text: https://secwatch.observer/filing/0001104659-26-004852.txt

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