---
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"
generated_at: "2026-10-20T13:03:06.082656+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# AmeriServ Q3 net income $3.1M, EPS $0.18 vs $0.15; nine-month EPS $0.45, up 80%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-117201
- JSON: https://secwatch.observer/filing/0001104659-26-117201.json
- Plain text: https://secwatch.observer/filing/0001104659-26-117201.txt

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