Compared with Pennsylvania
16 of 25
compared fees are above the median.
5 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
32nd percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 25 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 7, 2026
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 | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania 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
Service charges were 1.5% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (32nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
16 of 25 compared published fees sit above the Pennsylvania median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Service-charge income fell 28% from Q3 2025 to Q2 2026, to $244K. Its share of revenue, 1.5%, is below the 2.2% median for banks with $1B to $10B in assets.
$244K
Ameriserv Financial BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Ameriserv Financial Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, Ameriserv Financial Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Ameriserv Financial Bank by share.
Amounts from Ameriserv Financial Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
Attachments & Garnishments | $150.00 (plus bank's attorney fees)
Levies | $150.00 (plus bank's attorney fees)
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Closed Account Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Checking and Savings Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research or Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements Mailed | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Undeliverable Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdrafts/NSF | $37Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdrafts/NSF | $37Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection from Savings | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-AmeriServ Automated Teller Machine (ATM) | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer within USA (OUTGOING) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer within USA (INCOMING) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire Transfer (OUTGOING) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International Wire Transfer (INCOMING) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashiers Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Certified Checks | $18Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders (Up to $1,000) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request | $37Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Encoded Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Paper Copies of Checks or Activity Printouts | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Internet Banking-Bill Pay Inactivity Fee | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Zelle® | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Banking - Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Fee | 8% | Not stated | None |
| Returned Deposited Checks | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Night Deposit Service (per year) | $25Not compared: Annual charge, not per item | per year | None |
Account Services | |||
| Attachments & Garnishments | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | Attachments & Garnishments | $150.00 (plus bank's attorney fees) |
| Levies | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | Levies | $150.00 (plus bank's attorney fees) |
| Legal Process | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closure Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer/Rollover | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Print Out-Prior Months | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Ameriserv Financial Bank operates, and what regulators and customers have on file.
Branch footprint
17 offices in 2 states, $1.3B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 8 | $852.7M | |
| 3 | $213.6M | |
| Outside a metro area | 4 | $148.8M |
| 1 | $25.6M | |
| 1 | $23.2M |
Johnstown, PA
21% of bank deposits, #2 of 13, up 1.4 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| 1st Summit Bank | 22.1% |
| First National Bank of Pennsylvania | 20.7% |
| First Commonwealth Bank | 10.6% |
| Somerset Trust Company | 6.6% |
| S&T Bank | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Johnstown, PA, Ameriserv Financial Bank holds 21% of bank deposits, #2 of 13, with 8 offices.
77 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 13 institutions shown. $4.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 21% share, 8 offices, #2 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
19 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
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 1, 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
We check once a day and send one email covering every change.