Performance Ratios (%) ASRV Peer Median Peer Average
ROAA 0.48 0.62 0.50
ROAE 5.66 5.81 4.59
Net Interest Margin 3.23 3.48 3.42
Efficiency Ratio 84.46 67.75 67.83
Loans / Deposits 91.13 89.87 91.32
Asset Quality Ratios (%)
NPAs / Assets 0.19 0.73 0.80
NCOs / Avg Loans 0.05 0.08 0.26
Reserves / Loans 1.06 1.08 1.21
Reserves / NPAs 415.95 128.04 137.54
Capital Ratios (%)
Tier 1 Capital 11.64 13.00 13.38
Tangible Equity / Tangible Assets 7.69 9.26 9.50
Total Equity / Total Assets 8.63 10.47 10.71
Market Ratios
Price / Earnings (x) 9.28 13.60 16.05
Price / Book (%) 50.20 84.96 81.68
Dividend Yield (%) 3.37 4.16 4.49
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 3/31/2020.

Peer financial data is as of 3/31/2020