Ameriserv Financial Bank

Headquarters: Johnstown, Pennsylvania
Charter: Bank
Assets: $1.5B
Fed district: Philadelphia
Regulator: Federal Reserve
Holding company: Ameriserv Financial Inc.

25 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 7, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 7, 2026

How these figures are measured

Call-report figures are for Ameriserv Financial Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Ameriserv Financial Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 7, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Ameriserv Financial Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $244K in Q2 2026, 19% below the same quarter a year earlier ($301K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Ameriserv Financial Bank: $37
Ameriserv Financial Bank: $37
U.S. median: no median
NSF / Returned Item
Ameriserv Financial Bank: $37
Ameriserv Financial Bank: $37
U.S. median: no median
Non-Network ATM
Ameriserv Financial Bank: $2.50
Ameriserv Financial Bank: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 7, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 28% from Q3 2025 to Q2 2026, to $244K.

Service-charge income, Q2 2026

$244K

$338KQ3 2025

$332KQ4 2025

$333KQ1 2026

$244KQ2 2026

Against the median

Ameriserv Financial BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Ameriserv Financial Bank · $1.5B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$1.4B to $1.5B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Ameriserv Financial Bank(this institution)	Johnstown, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1st Summit Bank	Johnstown, PA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Heritage Bank	Sapulpa, OK	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Riviera Bank	Santa Barbara, CA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Apex Bank	Camden, TN	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armed Forces Bank, National Association	Fort Leavenworth, KS	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benchmark Community Bank	Kenbridge, VA	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Bank Illinois	Geneseo, IL	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Bank	Elizabethton, TN	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank and Trust	Frostproof, FL	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elkhorn Valley Bank & Trust	Norfolk, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Federal Savings Bank of Twin Falls	Twin Falls, ID	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Pulaski	Pulaski, TN	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Grove Bank & Trust	Miami, FL	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
North State Bank	Raleigh, NC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pathfinder Bank	Oswego, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peoples Bank of Alabama	Cullman, AL	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples State Bank	Wausau, WI	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Providence Bank	Rocky Mount, NC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rhinebeck Bank	Rhinebeck, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Saco & Biddeford Savings Institution	Saco, ME	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
SULLIVAN BANK	Sullivan, MO	$1.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union County Savings Bank	Elizabeth, NJ	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Bank	Atmore, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Watertown Savings Bank	Watertown, MA	$1.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Ameriserv Financial Bank does not publish a monthly maintenance fee in the index.

The peer median is $8 among 18 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Ameriserv Financial Bank does not publish a monthly maintenance fee, so it is not on this chart.

Ameriserv Financial BankPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Ameriserv Financial Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $244K
vs prior quarter: −$89K−26.7%; from Q1 2026
vs a year earlier: −$57K−18.9%; from Q2 2025
vs start of range: −$98K−28.7%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Ameriserv Financial Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$244K	−$89K	−26.7%
Q1 2026	$333K	+$1K	+0.3%
Q4 2025	$332K	−$6K	−1.8%
Q3 2025	$338K	+$37K	+12.3%
Q2 2025	$301K	−$5K	−1.6%
Q1 2025	$306K	−$24K	−7.3%
Q4 2024	$330K	−$12K	−3.5%
Q3 2024	$342K	+$13K	+4.0%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Ameriserv Financial Bank’s own schedules, with a source for each figure.

Account Maintenance

Checking Closed Account Fee$25
Checking and Savings Dormant Account Fee$10
per month
Account Research or Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements Mailed$3
per month
Undeliverable Mail$5

Overdraft & NSF

Overdrafts/NSF$37
per item
Overdrafts/NSF$37
per item
Overdraft Protection from Savings$10
per item

ATM & Card

Non-AmeriServ Automated Teller Machine (ATM)$2.50
per transaction
Replacement Card Charge$10

Wire Transfers

Wire Transfer within USA (OUTGOING)$25
per item
Wire Transfer within USA (INCOMING)$15
per item
International Wire Transfer (OUTGOING)$50
per item
International Wire Transfer (INCOMING)$25
per item

Check Services

Cashiers Checks$10
per item
Certified Checks$18
per item
Money Orders (Up to $1,000)$5
per item
Stop Payment Request$37
per item
Encoded Counter Checks$1
per item
Paper Copies of Checks or Activity Printouts$2
per item

Digital & Electronic

Internet Banking-Bill Pay Inactivity Fee$3
per month
Zelle®No charge
Mobile Banking - Mobile DepositNo charge

Cash & Deposit

Coin Machine Fee8%
Returned Deposited Checks$12
per item
Night Deposit Service (per year)$25
Not compared: Annual charge, not per item
per year

Account Services

Attachments & Garnishments$150
Attachments & Garnishments | $150.00 (plus bank's attorney fees)
Levies$150
Levies | $150.00 (plus bank's attorney fees)
Legal Process$150

Retirement & IRA

IRA Closure Fee$25
IRA Transfer/Rollover$50

Other Fees

Photocopies$1
per item
Statement Print Out-Prior Months$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Checking Closed Account Fee	$25	Not stated	None
Checking and Savings Dormant Account Fee	$10	per month	None
Account Research or Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements Mailed	$3	per month	None
Undeliverable Mail	$5	Not stated	None
Overdraft & NSF
Overdrafts/NSF	$37	per item	None
Overdrafts/NSF	$37	per item	None
Overdraft Protection from Savings	$10	per item	None
ATM & Card
Non-AmeriServ Automated Teller Machine (ATM)	$2.50	per transaction	None
Replacement Card Charge	$10	Not stated	None
Wire Transfers
Wire Transfer within USA (OUTGOING)	$25	per item	None
Wire Transfer within USA (INCOMING)	$15	per item	None
International Wire Transfer (OUTGOING)	$50	per item	None
International Wire Transfer (INCOMING)	$25	per item	None
Check Services
Cashiers Checks	$10	per item	None
Certified Checks	$18	per item	None
Money Orders (Up to $1,000)	$5	per item	None
Stop Payment Request	$37	per item	None
Encoded Counter Checks	$1	per item	None
Paper Copies of Checks or Activity Printouts	$2	per item	None
Digital & Electronic
Internet Banking-Bill Pay Inactivity Fee	$3	per month	None
Zelle®	No charge	Not stated	None
Mobile Banking - Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Machine Fee	8%	Not stated	None
Returned Deposited Checks	$12	per item	None
Night Deposit Service (per year)	$25Not compared: Annual charge, not per item	per year	None
Account Services
Attachments & Garnishments	$150	Not stated	Attachments & Garnishments \| $150.00 (plus bank's attorney fees)
Levies	$150	Not stated	Levies \| $150.00 (plus bank's attorney fees)
Legal Process	$150	Not stated	None
Retirement & IRA
IRA Closure Fee	$25	Not stated	None
IRA Transfer/Rollover	$50	Not stated	None
Other Fees
Photocopies	$1	per item	None
Statement Print Out-Prior Months	$5	per item	None

Correct a fee source

Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Ameriserv Financial Bank operates, and what regulators and customers have on file.

Enforcement actions

None on file with the Federal Reserve

The Federal Reserve has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the Federal Reserve, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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