Performance Ratios (%) ASRV Peer Median Peer Average
ROAA 0.65 0.99 1.00
ROAE 7.73 10.41 9.28
Net Interest Margin 3.25 3.66 3.65
Efficiency Ratio 83.90 66.07 66.10
Loans / Deposits 90.05 89.16 90.86
Asset Quality Ratios (%)
NPAs / Assets 0.10 0.57 0.81
NCOs / Avg Loans 0.08 0.06 0.06
Reserves / Loans 0.94 1.06 1.08
Reserves / NPAs 694.09 116.09 122.05
Capital Ratios (%)
Tier 1 Capital 11.67 12.44 13.67
Tangible Equity / Tangible Assets 7.54 9.18 9.34
Total Equity / Total Assets 8.48 10.02 10.75
Market Ratios
Price / Earnings (x) 9.50 12.42 12.66
Price / Book (%) 74.02 114.58 120.79
Dividend Yield (%) 2.39 2.86 3.04
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