AmeriServ Financial (ASRV) Debt/Assets Ratio: History & Chart

AmeriServ Financial, Inc.(ASRV)

Banks - Regional · Johnstown, PA

$4.56+0.14 (+3.17%)

Delayed quote: Oct 6, 2026, 11:57 AM EDT

About AmeriServ Financial, Inc.

AmeriServ Financial, Inc. operates as the holding company for AmeriServ Financial Bank, providing a broad spectrum of financial products to individual consumers, mortgage borrowers, and commercial clients. Its retail banking services encompass various deposit accounts, including checking, money market, savings, and time deposits. The bank also offers personal lending solutions such as secured and unsecured consumer loans, mortgage financing, and ancillary services like safe deposit boxes, holiday club accounts, and money orders. For its commercial, industrial, financial, and governmental customers, AmeriServ delivers extensive lending and treasury services. These include commercial real estate and construction loans, short and medium-term financing, revolving credit lines, and funding for inventory and accounts receivable. Additionally, it provides business savings accounts, certificates of deposit, wire transfers, and secure depository options like night drops and lockbox services. The company's trust department offers personal trust services, covering investment portfolio management, estate planning and administration, custodial services, and pre-need trusts. Institutional trust offerings include the management of 401(k)s, defined benefit and defined contribution employee benefit plans, and individual retirement accounts. AmeriServ also provides financial advisory services through the sale of mutual funds, annuities, and insurance products. A notable offering is its union collective investment funds, which channel union pension capital into construction projects employing union labor. The firm also engages in underwriting credit life and disability insurance as a reinsurer. AmeriServ Financial operates through a network of 17 banking branches located in Allegheny, Cambria, Centre, Somerset, and Westmoreland counties in Pennsylvania, as well as Washington County, Maryland, complemented by 18 automated teller machines. The company maintains its corporate headquarters in Johnstown, Pennsylvania.

Johnstown, PA

298 employees

www.ameriserv.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Jeffrey A. Stopko

View full financials

ASRV Debt to Assets Ratio Metrics

DEBT TO ASSETS RATIO

4.57%

DEBT TO ASSETS RATIO AVG TTM

5.14%

DEBT TO ASSETS RATIO AVG 3Y

6.59%

DEBT TO ASSETS RATIO AVG 5Y

6.46%

DEBT TO ASSETS RATIO AVG 10Y

7.94%

DEBT TO ASSETS RATIO AVG 15Y

7.70%

DEBT TO ASSETS RATIO AVG 20Y

7.53%

CURRENT VS TTM AVG

-11.08%

CURRENT VS 3Y AVG

-30.72%

CURRENT VS 5Y AVG

-29.34%

CURRENT VS 10Y AVG

-42.47%

CURRENT VS 15Y AVG

-40.70%

CURRENT VS 20Y AVG

-39.37%

SECTOR MEDIAN · FINANCIAL SERVICES

0.05%

median of 610 covered companies

CURRENT VS SECTOR MEDIAN

+9036.44%

vs the sector median at left

NAME	MARKET CAP	DEBT TO ASSETS RATIO	TTM	3Y	5Y
AmeriServ Financial, Inc. (ASRV)	$77.36M	4.57%	5.14%	6.59%	6.46%
Advanced Flower Capital Inc. (AFCG)vs ›	$75.95M	0.52%	N/A	N/A	N/A
Home Federal Bancorp, Inc. of Louisiana (HFBL)vs ›	$75.86M	0.01%	N/A	N/A	N/A
Medallion Bank (MBNKO)vs ›	$74.86M	N/A	N/A	N/A	N/A
BTCS Inc. (BTCS)vs ›	$74.41M	0.15%	N/A	N/A	N/A
Central Plains Bancshares, Inc. Common Stock (CPBI)vs ›	$83.03M	0.00%	N/A	N/A	N/A
Catalyst Bancorp, Inc. (CLST)vs ›	$68.90M	0.03%	N/A	N/A	N/A
Hennessy Advisors, Inc. (HNNA)vs ›	$83.27M	0.00%	N/A	N/A	N/A
BEST SPAC I Acquisition Corp. (BSAA)vs ›	$68.08M	0.00%	N/A	N/A	N/A
JATT II Acquisition Corp. (JATT)vs ›	$84.50M	N/A	N/A	N/A	N/A

NAME

MARKET CAP

DEBT TO ASSETS RATIO

TTM

AmeriServ Financial, Inc. (ASRV)

$77.36M

4.57%

5.14%

6.59%

6.46%

Advanced Flower Capital Inc. (AFCG)vs ›

$75.95M

0.52%

N/A

Home Federal Bancorp, Inc. of Louisiana (HFBL)vs ›

$75.86M

0.01%

N/A

Medallion Bank (MBNKO)vs ›

$74.86M

N/A

BTCS Inc. (BTCS)vs ›

$74.41M

0.15%

N/A

Central Plains Bancshares, Inc. Common Stock (CPBI)vs ›

$83.03M

0.00%

N/A

Catalyst Bancorp, Inc. (CLST)vs ›

$68.90M

0.03%

N/A

Hennessy Advisors, Inc. (HNNA)vs ›

$83.27M

0.00%

N/A

BEST SPAC I Acquisition Corp. (BSAA)vs ›

$68.08M

0.00%

N/A

JATT II Acquisition Corp. (JATT)vs ›

$84.50M

N/A

Debt to Assets Ratio FAQ

What is the debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The debt to assets ratio for ASRV stock is 4.57%.

Is AmeriServ Financial, Inc.'s debt to assets ratio high or low?

The debt to assets ratio of 4.57% is 29% below its 5-year average of 6.46%, near the low end of its 5-year range (4.57%–10.15%).

What is the TTM average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The TTM average debt to assets ratio for ASRV stock is 5.14%.

What is the 3Y average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The 3Y average debt to assets ratio for ASRV stock is 6.59%.

What is the 5Y average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The 5Y average debt to assets ratio for ASRV stock is 6.46%.

What is the 10Y average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The 10Y average debt to assets ratio for ASRV stock is 7.94%.

What is the 15Y average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The 15Y average debt to assets ratio for ASRV stock is 7.70%.

What is the 20Y average debt to assets ratio for AmeriServ Financial, Inc. (ASRV)?

The 20Y average debt to assets ratio for ASRV stock is 7.53%.

DATE	DEBT TO ASSETS RATIO
2026-06-30	4.57%
2026-03-31	4.86%
2025-12-31	5.18%
2025-09-30	5.39%
2025-06-30	5.69%
2025-03-31	6.57%
2024-12-31	7.15%
2024-09-30	6.93%
2024-06-30	8.31%
2024-03-31	6.65%
2023-12-31	8.32%
2023-09-30	8.48%
2023-06-30	7.63%
2023-03-31	7.36%
2022-12-31	10.15%
2022-09-30	6.28%
2022-06-30	4.85%
2022-03-31	5.11%
2021-12-31	5.45%
2021-09-30	5.52%
2021-06-30	5.32%
2021-03-31	6.06%
2020-12-31	8.89%
2020-09-30	8.32%
2020-06-30	8.20%
2020-03-31	9.88%
2019-12-31	8.59%
2019-09-30	8.77%
2019-06-30	12.44%
2019-03-31	11.57%
2018-12-31	9.32%
2018-09-30	15.87%
2018-06-30	19.50%
2018-03-31	12.18%
2017-12-31	9.91%
2017-09-30	11.24%
2017-06-30	12.77%
2017-03-31	11.41%
2016-12-31	6.82%
2016-09-30	7.44%
2016-06-30	10.11%
2016-03-31	13.30%
2015-12-31	10.19%
2015-09-30	15.04%
2015-06-30	16.71%
2015-03-31	10.11%
2014-12-31	8.63%
2014-09-30	9.62%
2014-06-30	7.94%
2014-03-31	6.28%
2013-12-31	7.54%
2013-09-30	9.27%
2013-06-30	9.53%
2013-03-31	2.91%
2012-12-31	4.17%
2012-09-30	2.50%
2012-06-30	1.61%
2012-03-31	2.01%
2011-12-31	3.56%
2011-09-30	2.34%
2011-06-30	2.39%
2011-03-31	2.37%
2010-12-31	2.89%
2010-09-30	2.72%
2010-06-30	3.21%
2010-03-31	3.99%
2009-12-31	6.67%
2009-09-30	6.00%
2009-06-30	7.23%
2009-03-31	10.61%
2008-12-31	15.19%
2008-09-30	13.17%
2008-06-30	6.08%
2008-03-31	13.26%
2007-12-31	10.52%
2007-09-30	4.07%
2007-06-30	1.98%
2007-03-31	3.17%
2006-12-31	7.04%
2006-09-30	5.10%
2006-06-30	6.32%
2006-03-31	6.65%
2005-12-31	8.78%
2005-09-30	12.29%
2005-06-30	21.29%
2005-03-31	18.13%
2004-12-31	26.65%
2004-09-30	32.02%
2004-06-30	36.71%
2004-03-31	32.23%
2003-12-31	35.74%
2003-09-30	36.82%
2003-06-30	35.52%
2003-03-31	33.25%
2002-12-31	31.95%
2002-09-30	34.73%

DATE

DEBT TO ASSETS RATIO

2026-06-30

4.57%

2026-03-31

4.86%

2025-12-31

5.18%

2025-09-30

5.39%

2025-06-30

5.69%

2025-03-31

6.57%

2024-12-31

7.15%

2024-09-30

6.93%

2024-06-30

8.31%

2024-03-31

6.65%

2023-12-31

8.32%

2023-09-30

8.48%

2023-06-30

7.63%

2023-03-31

7.36%

2022-12-31

10.15%

2022-09-30

6.28%

2022-06-30

4.85%

2022-03-31

5.11%

2021-12-31

5.45%

2021-09-30

5.52%

2021-06-30

5.32%

2021-03-31

6.06%

2020-12-31

8.89%

2020-09-30

8.32%

2020-06-30

8.20%

2020-03-31

9.88%

2019-12-31

8.59%

2019-09-30

8.77%

2019-06-30

12.44%

2019-03-31

11.57%

2018-12-31

9.32%

2018-09-30

15.87%

2018-06-30

19.50%

2018-03-31

12.18%

2017-12-31

9.91%

2017-09-30

11.24%

2017-06-30

12.77%

2017-03-31

11.41%

2016-12-31

6.82%

2016-09-30

7.44%

2016-06-30

10.11%

2016-03-31

13.30%

2015-12-31

10.19%

2015-09-30

15.04%

2015-06-30

16.71%

2015-03-31

10.11%

2014-12-31

8.63%

2014-09-30

9.62%

2014-06-30

7.94%

2014-03-31

6.28%

2013-12-31

7.54%

2013-09-30

9.27%

2013-06-30

9.53%

2013-03-31

2.91%

2012-12-31

4.17%

2012-09-30

2.50%

2012-06-30

1.61%

2012-03-31

2.01%

2011-12-31

3.56%

2011-09-30

2.34%

2011-06-30

2.39%

2011-03-31

2.37%

2010-12-31

2.89%

2010-09-30

2.72%

2010-06-30

3.21%

2010-03-31

3.99%

2009-12-31

6.67%

2009-09-30

6.00%

2009-06-30

7.23%

2009-03-31

10.61%

2008-12-31

15.19%

2008-09-30

13.17%

2008-06-30

6.08%

2008-03-31

13.26%

2007-12-31

10.52%

2007-09-30

4.07%

2007-06-30

1.98%

2007-03-31

3.17%

2006-12-31

7.04%

2006-09-30

5.10%

2006-06-30

6.32%

2006-03-31

6.65%

2005-12-31

8.78%

2005-09-30

12.29%

2005-06-30

21.29%

2005-03-31

18.13%

2004-12-31

26.65%

2004-09-30

32.02%

2004-06-30

36.71%

2004-03-31

32.23%

2003-12-31

35.74%

2003-09-30

36.82%

2003-06-30

35.52%

2003-03-31

33.25%

2002-12-31

31.95%

2002-09-30

34.73%

Debt to Assets Ratio: 4.57%

ASRV Debt to Assets Ratio

ASRV Average Debt to Assets Ratio Chart

ASRV Current vs Average Debt to Assets Ratio Chart

ASRV Debt to Assets Ratio Metrics

ASRV Competitors' Debt to Assets Ratio

Leverage Ratios Comparison

Debt to Assets Ratio Formula & Definition

Debt to Assets Ratio FAQ

ASRV Debt to Assets Ratio History

Related Metrics