---
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"
generated_at: "2026-05-23T09:43:42.145022+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-005118
- JSON: https://secwatch.observer/filing/0001558370-25-005118.json
- Plain text: https://secwatch.observer/filing/0001558370-25-005118.txt

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