AmeriServ Financial Balance Sheet Health
Financial Health criteria checks 6/6
AmeriServ Financial has total assets of $1.4B and total equity of $103.9M. Total deposits are $1.2B, and total loans are $1.0B. It earns a Net Interest Margin of 2.9%. It has sufficient allowance for bad loans, which are currently at 1.2% of total loans. Cash and short-term investments are $18.6M.
Key information
13.3x
Asset to equity ratio
2.9%
Net interest margin
| Total deposits | US$1.18b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$18.61m |
Recent financial health updates
No updates
Recent updates
AmeriServ Financial (NASDAQ:ASRV) Has Announced A Dividend Of $0.03
Apr 26
AmeriServ Financial (NASDAQ:ASRV) Is Due To Pay A Dividend Of $0.03
Feb 01AmeriServ Financial (NASDAQ:ASRV) Is Paying Out A Dividend Of $0.03
Oct 24AmeriServ Financial (NASDAQ:ASRV) Has Announced A Dividend Of $0.03
Jul 25AmeriServ Financial (NASDAQ:ASRV) Has Affirmed Its Dividend Of $0.03
Apr 25AmeriServ Financial's (NASDAQ:ASRV) Dividend Will Be $0.03
Jan 27AmeriServ Financial GAAP EPS of $0.12, revenue of $14.1M
Oct 18AmeriServ Financial (NASDAQ:ASRV) Will Pay A Dividend Of $0.03
Jul 28AmeriServ Financial declares $0.03 dividend
Jul 25AmeriServ Financial GAAP EPS of $0.12, revenue of $14.26M
Jul 19AmeriServ Financial (NASDAQ:ASRV) Is Paying Out A Larger Dividend Than Last Year
Apr 22AmeriServ Financial (NASDAQ:ASRV) Will Pay A Dividend Of US$0.025
Jan 28AmeriServ Financial (NASDAQ:ASRV) Has Re-Affirmed Its Dividend Of US$0.025
Jul 23Why We Think AmeriServ Financial, Inc.'s (NASDAQ:ASRV) CEO Compensation Is Not Excessive At All
Apr 21Is AmeriServ Financial, Inc. (NASDAQ:ASRV) A Smart Pick For Income Investors?
Feb 15
If You Had Bought AmeriServ Financial's (NASDAQ:ASRV) Shares A Year Ago You Would Be Down 23%
Dec 25How Much Is AmeriServ Financial, Inc. (NASDAQ:ASRV) CEO Getting Paid?
Nov 20Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ASRV's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: ASRV has a sufficient allowance for bad loans (122%).
Low Risk Liabilities: 92% of ASRV's liabilities are made up of primarily low risk sources of funding.
Loan Level: ASRV has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: ASRV's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: ASRV has an appropriate level of bad loans (1.2%).