Bank · FDIC insured
AmeriServ Bank
A $1.5B bank headquartered in Johnstown, PA, with 17 branches in 2 states. Best rates: CDs 3.26% and savings 0.10% APY.
AmeriServ Bank Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#15 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About AmeriServ Bank
AmeriServ Bank operates branch locations across Pennsylvania—including Johnstown, Pittsburgh, and State College—as well as in Hagerstown, Maryland.
The institution focuses on personal banking, business banking, wealth management, and financial planning.
- Headquarters
- 216 Franklin St, Johnstown, PA 15901
- FDIC certificate
- 7542 ↗
Branches
17 branches in 2 states
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Pennsylvania
16 branches
Johnstown area · 8
- Ameriserv Financial BankMain office216 Franklin St, Johnstown, PA 15901Directions
- Carrolltown Branch101 S Main St, Carrolltown, PA 15722Directions
- Lovell Park Branch179 Lovell Ave, Ebensburg, PA 15931Directions
- East Hill Drive-Up Branch1213 Scalp Ave, Johnstown, PA 15904Directions
- University Heights Branch1404 Eisenhower Blvd, Johnstown, PA 15904Directions
- Westmont Branch110 Plaza Dr, Johnstown, PA 15905Directions
- Nanty-Glo Branch1383 Shoemaker St, Nanty-Glo, PA 15943Directions
- Northern Cambria Office4206 Crawford Ave, Northern Cambria, PA 15714Directions
Somerset area · 4
- Central City Branch104 Sunshine Ave, Central City, PA 15926Directions
- Meyersdale Branch135 Center St, Meyersdale, PA 15552Directions
- Somerset Branch108 W Main St, Somerset, PA 15501Directions
- Windber Branch1501 Somerset Ave, Windber, PA 15963Directions
Pittsburgh area · 3
- Derry Branch112 S Chestnut St, Derry, PA 15627Directions
- Pittsburgh Branch60 Boulevard Of The Allies, Pittsburgh, PA 15222Directions
- Seward Branch6858 Route 711, Seward, PA 15954Directions
State College area · 1
- North Atherton Branch1857 N Atherton St, State College, PA 16803Directions
Maryland
1 branch
- Hagerstown Branch12806 Shank Farm Way, Hagerstown, MD 21742Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.46% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.76% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.88% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalLeverage ratio9.46%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.76%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.88%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of AmeriServ Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.