AmeriServ Financial, Inc. (ASRV)

AmeriServ Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	60.16	56.76	51.63	41.48	40.59
Interest Income on Investments	11.19	9.75	9.23	7.57	6.08
Total Interest Income	71.35	66.51	60.86	49.06	46.67
Interest Paid on Deposits	25.47	25.45	21.01	6.42	4.81
Interest Paid on Borrowings	3.62	5.01	3.83	2.07	2.78
Total Interest Expense	29.09	30.46	24.84	8.5	7.59
Net Interest Income	42.26	36.05	36.02	40.56	39.08
Net Interest Income Growth (YoY)	17.24%	0.08%	-11.20%	3.79%	7.47%
Trust Income	11.56	12.32	11.27	11.62	11.99
Mortgage Banking Activities	0.18	0.13	0.13	0.12	0.36
Gain (Loss) on Sale of Investments	0.12	-	0.83	-0.02	0.13
Other Non-Interest Income	3.98	4.17	2.83	3.66	3.66
Total Non-Interest Income	16.99	17.98	16.39	16.69	17.76
Non-Interest Income Growth (YoY)	-5.49%	9.68%	-1.81%	-6.02%	9.13%
Revenues Before Loan Losses	59.25	54.02	52.41	57.26	56.84
Provision for Loan Losses	4.12	0.88	7.43	0.05	1.1
Revenue	55.13	53.14	44.98	57.21	55.74
Revenue Growth (YoY)	3.75%	18.14%	-21.37%	2.62%	10.90%
Salaries and Employee Benefits	28.94	28.38	29.58	28.44	27.8
Occupancy Expenses	2.98	2.97	2.92	2.88	2.62
Federal Deposit Insurance	0.99	1.02	0.72	0.52	0.66
Selling, General & Administrative	10.27	11.82	12.08	9.49	8.83
Other Non-Interest Expense	5.16	4.56	4.07	6.67	6.67
Total Non-Interest Expense	48.34	48.74	49.37	48	46.58
EBT Excluding Unusual Items	6.8	4.4	-4.39	9.2	9.16
Pretax Income	6.8	4.4	-4.39	9.2	8.77
Income Tax Expense	1.18	0.8	-1.04	1.75	1.7
Net Income	5.61	3.6	-3.35	7.45	7.07
Net Income to Common	5.61	3.6	-3.35	7.45	7.07
Net Income Growth	55.85%	-	-	5.32%	53.81%
Basic Shares Outstanding	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17
Shares Change (YoY)	-1.62%	-1.99%	-0.01%	0.19%	0.30%
EPS (Basic)	0.34	0.21	-0.20	0.44	0.41
EPS (Diluted)	0.34	0.21	-0.20	0.43	0.41
EPS Growth	61.77%	-	-	4.88%	52.06%
Dividend Per Share	0.120	0.120	0.120	0.115	0.100
Dividend Growth	-	-	4.35%	15.00%	-
Effective Tax Rate	17.42%	18.14%	-	19.05%	19.40%

Updated Jan 20, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q