Performance Ratios (%) ASRV Peer Median Peer Average
ROAA 0.66 1.13 1.09
ROAE 7.96 11.22 10.78
Net Interest Margin 3.27 3.71 3.66
Efficiency Ratio 83.86 61.46 64.15
Loans / Deposits NA 96.53 95.20
Asset Quality Ratios (%)
NPAs / Assets NA 0.63 0.77
NCOs / Avg Loans 0.03 0.02 0.09
Reserves / Loans 1.00 1.07 1.06
Reserves / NPAs NA 103.81 128.65
Capital Ratios (%)
Tier 1 Capital NA 12.84 14.10
Tangible Equity / Tangible Assets 7.49 9.11 9.09
Total Equity / Total Assets 8.44 9.84 10.26
Market Ratios
Price / Earnings (x) 9.59 11.87 14.21
Price / Book (%) 75.89 127.72 131.40
Dividend Yield (%) 1.90 2.64 2.88
Data for trailing four quarters

AmeriServ Financial, Inc.'s peer group consists of the following: ACNB Corporation (ACNB), BCB Bancorp, Inc. (BCBP), Chemung Financial Corporation (CHMG), Citizens & Northern Corporation (CZNC), Civista Bancshares, Inc. (CIVB), CNB Financial Corporation (CCNE), 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)

AmeriServ Financial, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

First United Corporation's financial data is as of 9/30/2018.