---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-000285"
form_type: "8-K"
ticker: "ASRV"
cik: "0000707605"
company_name: "AMERISERV FINANCIAL INC /PA/"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:39:08.752701+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# AmeriServ Q4 net income $889K (EPS $0.05) vs year-ago loss; full-year profit; NIM expands

## Summary
- Q4 2024 net income $889K ($0.05 EPS) vs Q4 2023 net loss $5.3M (-$0.31 EPS).
- Full-year 2024 net income $3.6M ($0.21 EPS) vs 2023 net loss $3.3M (-$0.20 EPS).
- Net interest margin improved to 2.88% in Q4, up 17 bps sequentially; mgmt expects further improvement in 2025.
- Total loans grew $30M (2.9%) and deposits $42.6M (3.7%) during 2024.
- Tangible book value per share rose 11.4% to $5.75; Board declared $0.03 quarterly dividend (unchanged).

## SEC filing metadata
- accession: 0001558370-25-000285
- form_type: 8-K
- ticker: ASRV
- cik: 0000707605
- company_name: AMERISERV FINANCIAL INC /PA/
- filed_at: 2025-01-21T23:59:59+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/707605/000155837025000285/0001558370-25-000285-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/707605/000155837025000285/asrv-20250121x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-000285
- JSON: https://secwatch.observer/filing/0001558370-25-000285.json
- Plain text: https://secwatch.observer/filing/0001558370-25-000285.txt

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