AmeriServ Q2 net loss narrows to $282K; YTD earnings up 11%; dividend $0.03

AMERISERV FINANCIAL INC /PA/

2025-Q2 EPS reported $0.10 revenue$7,071,000

Q2 2025 net loss of $282K ($0.02 diluted EPS) vs Q2 2024 net loss of $375K; YTD net income $1.6M ($0.10 EPS) up 11%.
Net interest margin improved 36 bps to 3.10% in Q2; net interest income up 17%.
Provision for credit losses surged to $3.1M in Q2 driven by $2.8M charge-off on largest problem loan.
Non-interest expense fell 12% in Q2, partly due to activist investor resolution; non-interest income down 6%.
Board declared $0.03 quarterly dividend, payable Aug 18 to holders of record Aug 4; annualized yield 3.9%.

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