---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-045779"
form_type: "8-K"
ticker: "ASRV"
cik: "0000707605"
company_name: "AMERISERV FINANCIAL INC /PA/"
filed_at: "2026-04-21T23:59:59+00:00"
generated_at: "2026-05-15T05:13:18.243272+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# AmeriServ Q1 net income falls 6% to $1.79M ($0.11 EPS); NIM improves 25bps

## Summary
- Net income of $1.794M ($0.11 diluted EPS) vs $1.908M ($0.12) in Q1 2025, down 6%.
- Net interest income up $897K (9%) to $10.9M; net interest margin expanded 25bps to 3.26%.
- Provision for credit losses was $217K expense vs $97K recovery in prior year.
- Board declared $0.03 quarterly dividend, payable May 18, 2026 to holders of record May 4, 2026.

## SEC filing metadata
- accession: 0001104659-26-045779
- form_type: 8-K
- ticker: ASRV
- cik: 0000707605
- company_name: AMERISERV FINANCIAL INC /PA/
- filed_at: 2026-04-21T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/707605/000110465926045779/0001104659-26-045779-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707605/000110465926045779/asrv-20260421x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-045779
- JSON: https://secwatch.observer/filing/0001104659-26-045779.json
- Plain text: https://secwatch.observer/filing/0001104659-26-045779.txt

## Key facts
- Earnings Releases
  AMERISERV FINANCIAL INC /PA/ reported first quarter 2026 results: net income $1,794,000, EPS $0.11 per diluted common share.
  - Period: first quarter 2026
  - Net income: $1,794,000
  - EPS: $0.11 per diluted common share
  - Result: reported results
  source text: THE FIRST QUARTER OF 2026 AND ANNOUNCES QUARTERLY COMMON STOCK CASH DIVIDEND ​ JOHNSTOWN, PA - AmeriServ Financial, Inc. (NASDAQ: ASRV) reported first quarter 2026 net income of $1,794,000, or $0.11 per diluted common share. This compares to net income for the first quarter of 2025 of $1,908,000, or $0.12 per diluted common share. The following table details the
  evidence_url: https://www.sec.gov/Archives/edgar/data/707605/000110465926045779/0001104659-26-045779-index.htm

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