Performance Ratios (%) ASRV Peer Median Peer Average
ROAA 0.34 0.89 0.86
ROAE 4.19 9.24 8.73
Net Interest Margin 3.01 3.25 3.21
Efficiency Ratio 84.82 62.66 62.12
Loans / Deposits NA 89.05 90.09
Asset Quality Ratios (%)
NPAs / Assets NA 0.95 0.81
NCOs / Avg Loans 0.04 0.06 0.12
Reserves / Loans 1.08 1.12 1.12
Reserves / NPAs NA 90.83 131.38
Capital Ratios (%)
Tier 1 Capital NA 14.26 13.91
Tangible Equity / Tangible Assets 7.34 8.53 8.57
Total Equity / Total Assets 8.22 9.67 9.66
Market Ratios
Price / Earnings (x) 11.58 8.57 10.26
Price / Book (%) 45.88 74.50 77.89
Dividend Yield (%) 3.60 4.31 4.12
Data for trailing four quarters

AmeriServ Financial, Inc.'s peer group consists of the following: ACNB Corporation (ACNB), CB Financial Services, Inc. (CBFV), Chemung Financial Corporation (CHMG), Citizens & Northern Corporation (CZNC), Codorus Valley Bancorp, Inc. (CVLY), ESSA Bancorp, Inc. (ESSA), First United Corporation (FUNC), FNCB Bancorp, Inc. (FNCB), Franklin Financial Services Corporation (FRAF), Norwood Financial Corp. (NWFL), Orrstown Financial Services, Inc. (ORRF), Penns Woods Bancorp, Inc. (PWOD), Peoples Financial Services Corp. (PFIS), Riverview Financial Corporation (RIVE)

AmeriServ Financial, Inc.'s financial data is as of 9/30/2020.

Peer financial data is as of 9/30/2020 except for these companies:

First United Corporation's financial data is as of 6/30/2020.
Peoples Financial Services Corp.'s financial data is as of 6/30/2020.
FNCB Bancorp, Inc.'s financial data is as of 6/30/2020.
CB Financial Services, Inc.'s financial data is as of 6/30/2020.