Performance Ratios (%) ASRV Peer Median Peer Average
ROAA 0.65 1.02 1.04
ROAE 7.73 10.39 9.78
Net Interest Margin 3.24 3.71 3.73
Efficiency Ratio 83.94 65.51 65.72
Loans / Deposits NA 93.18 92.57
Asset Quality Ratios (%)
NPAs / Assets NA 0.54 0.66
NCOs / Avg Loans 0.08 0.06 0.06
Reserves / Loans 0.94 1.06 1.07
Reserves / NPAs NA 110.64 133.23
Capital Ratios (%)
Tier 1 Capital NA 12.83 13.76
Tangible Equity / Tangible Assets 7.54 8.88 9.18
Total Equity / Total Assets 8.48 10.02 10.68
Market Ratios
Price / Earnings (x) 9.23 12.85 14.63
Price / Book (%) 71.89 119.40 124.60
Dividend Yield (%) 1.97 2.93 2.96
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), Civista Bancshares, Inc. (CIVB), Codorus Valley Bancorp, Inc. (CVLY), ESSA Bancorp, Inc. (ESSA), Farmers National Banc Corp. (FMNB), First United Corporation (FUNC), Franklin Financial Services Corporation (FRAF), 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 3/31/2019.

Peer financial data is as of 3/31/2019 except for these companies:

First United Corporation's financial data is as of 3/31/2019.
Chemung Financial Corporation's financial data is as of 3/31/2019.
Citizens & Northern Corporation's financial data is as of 3/31/2019.
Codorus Valley Bancorp, Inc.'s financial data is as of 3/31/2019.