AmeriServ Q1 net income flat at $1.9M ($0.12 EPS); NIM improves 31 bps; dividend $0.03

AMERISERV FINANCIAL INC /PA/

2025-Q1 EPS reported $0.12 revenue$3,470,000

Net income $1,908,000 ($0.12 diluted EPS) vs $1,904,000 ($0.11) in Q1 2024; essentially flat.
Net interest margin improved 31 bps YoY to 3.01%; net interest income up 13.5% driven by loan growth and lower deposit costs.
Non-performing assets rose to $15.0M from $13.7M at Dec 31, 2024 due to a $3.3M CRE loan moved to non-accrual.
Provision for credit losses recovery of $97K (vs $557K recovery in Q1 2024); net charge-offs were $64K (0.02% of avg loans).
Quarterly dividend declared $0.03 per share, payable May 19, 2025 to shareholders of record May 5, 2025.

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