{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-117201","form_type":"8-K","ticker":"ASRV","cik":"0000707605","company_name":"AMERISERV FINANCIAL INC /PA/","filed_at":"2026-10-20T13:01:42+00:00","discovered_at":"2026-10-20T13:03:00.128085+00:00","generated_at":"2026-10-20T13:03:06.082656+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"AmeriServ Q3 net income $3.1M, EPS $0.18 vs $0.15; nine-month EPS $0.45, up 80%","bullets":["Q3 2026 net income $3.1M, or $0.18 diluted EPS, up 21.9% from $2.544M/$0.15 a year earlier; nine-month net income $7.632M, or $0.45 vs $0.25.","Net interest margin 3.41% in Q3 (+14 bp YoY) and 3.34% for nine months (+21 bp); nine-month net interest income rose $2.3M, or 7.3%.","Provision was $3,000 recovery in Q3 vs $360,000 provision a year ago; nine-month recovery $80,000 vs $3.4M provision. NPAs $8.2M, 0.77% of loans; allowance coverage 169%.","Average Q3 loans fell $62.5M, or 5.9%, on CRE payoffs; CRE concentration eased to 319% of capital from 352% at Dec. 31, 2025. Wealth assets $2.8B, up 4.5% YTD.","Dividend $0.03/share payable Nov. 16, record Nov. 2 (2.6% yield at $4.54; 20% payout). Subordinated debt rate reset Sept. 1 to 6.94% from 3.75%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-117201","json":"https://secwatch.observer/filing/0001104659-26-117201.json","markdown":"https://secwatch.observer/filing/0001104659-26-117201.md","text":"https://secwatch.observer/filing/0001104659-26-117201.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/707605/000110465926117201/0001104659-26-117201-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/707605/000110465926117201/asrv-20261020x8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-20T13:03:06.082656+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}