{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-25-005118","form_type":"8-K","ticker":"ASRV","cik":"0000707605","company_name":"AMERISERV FINANCIAL INC /PA/","filed_at":"2025-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.064298+00:00","generated_at":"2026-05-23T09:43:42.145022+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"AmeriServ Q1 net income flat at $1.9M ($0.12 EPS); NIM improves 31 bps; dividend $0.03","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-25-005118","json":"https://secwatch.observer/filing/0001558370-25-005118.json","markdown":"https://secwatch.observer/filing/0001558370-25-005118.md","text":"https://secwatch.observer/filing/0001558370-25-005118.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/707605/000155837025005118/0001558370-25-005118-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/707605/000155837025005118/asrv-20250422x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T09:43:42.145022+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"}