Ameriserv Financial Bank Mortgage Rates, Fees & Info
Johnstown, PA
LEI: 54930089UXPZ6O3RHG71
Tax ID: 25-0851535
5 stars
-
out of 5 stars, based on 20 reviews
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Mortgage Data
Bank Data
Overview
Ameriserv Financial Bank is a
smaller
bank
specializing in
Home Purchase and Refi loans.
Ameriserv Financial Bank has a high proportion of conventional loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
They have a low ratio of USDA loans.
Their top markets include Pittsburgh, Philadelphia, State College, Johnstown, and Somerset among others. Ameriserv Financial Bank has
an above average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Ameriserv Financial Bank is typically
an average fee
lendor.
Originations
403
Origination Dollar Volume (All Markets)
$112,095,000
Employee count
235
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AmeriServ Financial Bank - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Ameriserv Financial Bank's average 30 year fixed rate mortgage of loans were
2.82%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.33%.
Relative Fees
Ameriserv Financial Bank's average total fees for a 30 year fixed rate
mortgage are $3,518.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
|
PITTSBURGH, PA (FHA|USDA|VA)
|
95
|
$40,805,000 |
$429,526 |
$3,935 |
2.80% |
|
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA)
|
69
|
$18,215,000 |
$263,986 |
$2,922 |
2.67% |
|
STATE COLLEGE, PA (FHA|USDA|VA)
|
73
|
$17,285,000 |
$236,781 |
$3,681 |
2.73% |
|
JOHNSTOWN, PA (FHA|USDA|VA)
|
48
|
$6,870,000 |
$143,125 |
$3,328 |
2.70% |
|
Somerset, PA (FHA|USDA|VA)
|
16
|
$2,880,000 |
$180,000 |
$3,297 |
2.92% |
|
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA)
|
4
|
$2,660,000 |
$665,000 |
$2,386 |
3.18% |
|
ALTOONA, PA (FHA|USDA|VA)
|
10
|
$2,500,000 |
$250,000 |
$3,312 |
3.16% |
|
LANCASTER, PA (FHA|USDA|VA)
|
10
|
$2,350,000 |
$235,000 |
$2,948 |
2.71% |
|
Oil City, PA (FHA|USDA|VA)
|
3
|
$2,125,000 |
$708,333 |
$2,150 |
2.92% |
|
READING, PA (FHA|USDA|VA)
|
10
|
$2,070,000 |
$207,000 |
$2,700 |
2.80% |
|
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA)
|
10
|
$1,950,000 |
$195,000 |
$2,728 |
2.60% |
|
Outside of Metro Areas
|
5 |
$1,505,000 |
$301,000 |
$4,024 |
2.75% |
|
ERIE, PA (FHA|USDA|VA)
|
3
|
$1,305,000 |
$435,000 |
$5,714 |
2.67% |
|
HARRISBURG-CARLISLE, PA (FHA|USDA|VA)
|
5
|
$1,115,000 |
$223,000 |
$3,550 |
2.75% |
|
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA)
|
4
|
$1,100,000 |
$275,000 |
$3,401 |
2.66% |
|
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA)
|
2
|
$670,000 |
$335,000 |
$3,673 |
2.69% |
|
YORK-HANOVER, PA (FHA|USDA|VA)
|
4
|
$640,000 |
$160,000 |
$2,344 |
2.53% |
|
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA)
|
3
|
$605,000 |
$201,667 |
$2,986 |
2.67% |
|
EAST STROUDSBURG, PA (FHA|USDA|VA)
|
3
|
$555,000 |
$185,000 |
$3,545 |
2.29% |
|
Lock Haven, PA (FHA|USDA|VA)
|
1
|
$545,000 |
$545,000 |
$5,344 |
2.38% |
|
LEBANON, PA (FHA|USDA|VA)
|
3
|
$515,000 |
$171,667 |
$2,453 |
2.75% |
|
DuBois, PA (FHA|USDA|VA)
|
2
|
$470,000 |
$235,000 |
$3,099 |
2.50% |
|
Huntingdon, PA (FHA|USDA|VA)
|
3
|
$455,000 |
$151,667 |
$3,311 |
2.38% |
|
Indiana, PA (FHA|USDA|VA)
|
4
|
$440,000 |
$110,000 |
$3,078 |
2.72% |
|
SALISBURY, MD-DE (FHA|USDA|VA)
|
1
|
$395,000 |
$395,000 |
$4,036 |
2.88% |
|
Sayre, PA (FHA|USDA|VA)
|
1
|
$325,000 |
$325,000 |
$4,115 |
3.13% |
|
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA)
|
1
|
$275,000 |
$275,000 |
$3,264 |
2.75% |
|
New Castle, PA (FHA|USDA|VA)
|
2
|
$250,000 |
$125,000 |
$2,512 |
2.56% |
|
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA)
|
1
|
$225,000 |
$225,000 |
$3,095 |
3.00% |
|
Meadville, PA (FHA|USDA|VA)
|
2
|
$220,000 |
$110,000 |
$2,067 |
2.19% |
|
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$3,134 |
2.38% |
|
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA)
|
1
|
$195,000 |
$195,000 |
$2,305 |
2.13% |
|
WILLIAMSPORT, PA (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$3,358 |
3.00% |
|
Lewistown, PA (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$2,821 |
2.88% |
|
Pottsville, PA (FHA|USDA|VA)
|
1
|
$105,000 |
$105,000 |
$2,467 |
2.25% |
Ameriserv Financial Bank's top markets include Pittsburgh, Philadelphia, State College, Johnstown, and Somerset among others.
Product Mix
| Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Conventional |
398 |
$111,260,000 |
$279,548 |
$3,374 |
2.75% |
| FHA |
2 |
$240,000 |
$120,000 |
$4,856 |
2.06% |
| USDA |
2 |
$400,000 |
$200,000 |
$5,161 |
2.13% |
| VA |
1 |
$195,000 |
$195,000 |
$7,939 |
2.00% |
For the 2021 period, Ameriserv Financial Bank's most frequently
originated loan type
of loans were Conventional, with 398 originations.
Their 2nd most popular type is FHA,
with 2 originations.
Loan Reason
| Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| Home Purchase |
176 |
$55,040,000 |
$312,727 |
$3,882 |
2.84% |
| Refi |
131 |
$34,715,000 |
$265,000 |
$2,987 |
2.61% |
| Cash Out Refi |
96 |
$22,340,000 |
$232,708 |
$3,166 |
2.74% |
For the 2021, Ameriserv Financial Bank's most frequently cited loan
purpose
of loans were Home Purchase, with 176
originations.
The 2nd most popular reason of loans were Refi,
with 131 originations.
Loan Duration/Length
| Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 30 Year |
211 |
$50,955,000 |
$241,493 |
$3,518 |
2.82% |
| 15 Year |
95 |
$17,945,000 |
$188,895 |
$2,921 |
2.40% |
| 20 Year |
36 |
$7,640,000 |
$212,222 |
$2,787 |
2.78% |
| 10 Year |
29 |
$23,095,000 |
$796,379 |
$2,459 |
3.16% |
| 30+ year |
17 |
$7,375,000 |
$433,824 |
$6,780 |
2.68% |
| Other |
12 |
$2,530,000 |
$210,833 |
$3,135 |
2.73% |
| 5 Year |
3 |
$2,555,000 |
$851,667 |
$0 |
3.53% |
For the 2021, Ameriserv Financial Bank's most frequently cited loan
length
of loans were 30 Year, with 211 originations.
The 2nd most popular length of loans were 15 Year,
with 95 originations.
Origination Fees
| Origination Fee |
Originations |
Total Value |
Average Loan |
| $<1k |
359 |
$81,225,000 |
$226,253 |
| $1k-2k |
16 |
$4,370,000 |
$273,125 |
| $2k-3k |
5 |
$1,435,000 |
$287,000 |
| $3k-4k |
1 |
$905,000 |
$905,000 |
$3,518 of loans were Ameriserv Financial Bank's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 359 originations.
Interest Rates
| Loan Rate |
Originations |
Total Value |
Average Loan |
| 2.5-3% |
186 |
$45,910,000 |
$246,828 |
| <2.5% |
147 |
$30,685,000 |
$208,741 |
| 3-4% |
66 |
$34,730,000 |
$526,212 |
| 4-5% |
4 |
$770,000 |
$192,500 |
During 2021, Ameriserv Financial Bank's average interest
rate of loans were 2.82%, while their
most frequently originated rate bucket of loans were 2.5-3%,
with 186 originations.
Loan Sizing
| Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $200k-400k |
164 |
$45,390,000 |
$276,768 |
$3,542 |
2.70% |
| $100k-200k |
146 |
$22,100,000 |
$151,370 |
$2,857 |
2.69% |
| $100,000 or less |
42 |
$3,090,000 |
$73,571 |
$2,507 |
2.72% |
| $400k-600k |
38 |
$18,750,000 |
$493,421 |
$5,642 |
2.83% |
| $1MM+ |
9 |
$19,595,000 |
$2,177,222 |
$0 |
3.60% |
| $600k-1MM |
4 |
$3,170,000 |
$792,500 |
$10,615 |
3.49% |
2021 saw Ameriserv Financial Bank place emphasis on
$200k-400k loans
with 164 originations, totaling
$45,390,000 in origination value.
Applicant Income
| Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| $100k-150k |
113 |
$27,575,000 |
$244,027 |
$3,365 |
2.68% |
| $75k-100k |
79 |
$14,915,000 |
$188,797 |
$3,207 |
2.68% |
| $150k-250k |
73 |
$22,685,000 |
$310,753 |
$3,847 |
2.64% |
| $50k-75k |
68 |
$10,380,000 |
$152,647 |
$2,735 |
2.70% |
| $50k or less |
29 |
$3,575,000 |
$123,276 |
$3,146 |
2.80% |
| $250k+ |
16 |
$7,670,000 |
$479,375 |
$6,160 |
2.84% |
Ameriserv Financial Bank lent most frequently to those with incomes in the
$100k-150k range, with
113 originations.
The second most popular income band? $75k-100k,
with 79 originations.
Applicant Debt to Income Ratio
| DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-30% |
123 |
$28,815,000 |
$234,268 |
$3,353 |
2.67% |
| 30-36% |
74 |
$15,320,000 |
$207,027 |
$3,229 |
2.67% |
| <20% |
71 |
$14,385,000 |
$202,606 |
$3,091 |
2.65% |
| 37% |
17 |
$4,005,000 |
$235,588 |
$3,627 |
2.76% |
| 42% |
16 |
$4,460,000 |
$278,750 |
$3,906 |
2.74% |
| 40% |
14 |
$4,490,000 |
$320,714 |
$4,295 |
2.77% |
| 38% |
13 |
$3,305,000 |
$254,231 |
$3,711 |
2.65% |
| 39% |
10 |
$2,770,000 |
$277,000 |
$3,639 |
2.80% |
| 43% |
10 |
$2,130,000 |
$213,000 |
$2,974 |
2.75% |
| 46% |
7 |
$1,665,000 |
$237,857 |
$3,714 |
2.71% |
| 36% |
6 |
$1,620,000 |
$270,000 |
$3,818 |
2.73% |
| 45% |
5 |
$985,000 |
$197,000 |
$3,604 |
2.38% |
| 47% |
4 |
$860,000 |
$215,000 |
$3,466 |
2.56% |
| 41% |
4 |
$1,020,000 |
$255,000 |
$3,242 |
2.91% |
| >60% |
3 |
$1,045,000 |
$348,333 |
$8,260 |
3.44% |
| 50-60% |
2 |
$1,090,000 |
$545,000 |
$6,872 |
2.69% |
| 44% |
2 |
$260,000 |
$130,000 |
$2,725 |
2.75% |
| 48% |
1 |
$65,000 |
$65,000 |
$2,183 |
2.38% |
| 49% |
1 |
$145,000 |
$145,000 |
$3,768 |
2.88% |
Ameriserv Financial Bank lent most frequently to those with DTI ratios
of 20-30%, with
123 originations.
The next most common DTI ratio? 30-36%,
with 74 originations.
Ethnicity Mix
| Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| White |
362 |
$83,610,000 |
$230,967 |
$3,416 |
2.70% |
| Not applicable |
20 |
$23,890,000 |
$1,194,500 |
$0 |
3.70% |
| Asian |
6 |
$1,540,000 |
$256,667 |
$3,935 |
2.64% |
| Black |
7 |
$1,535,000 |
$219,286 |
$3,072 |
2.52% |
| Not provided |
7 |
$1,375,000 |
$196,429 |
$2,688 |
2.54% |
| Native Hawaiian |
1 |
$145,000 |
$145,000 |
$3,076 |
3.13% |
Approval Rates
Total approvals of all applications
96.67%
Ameriserv Financial Bank has an exceptionally high approval rate. They
either target their audience
very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination
85.54%
Ameriserv Financial Bank has an average pick rate.
Points and Fees
| Points |
Originations |
Total Value |
Average Loan |
| NA |
403 |
$112,095,000 |
$278,151 |
Occupancy Type Mix
| Dwelling Type |
Originations |
Total Value |
Average Loan |
|
403 |
$112,095,000 |
$278,151 |
LTV Distribution
| Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
| 20-40% |
16 |
$2,180,000 |
$136,250 |
$2,329 |
2.50% |
| 40-60% |
78 |
$21,940,000 |
$281,282 |
$3,086 |
2.62% |
| 60-80% |
189 |
$56,855,000 |
$300,820 |
$3,456 |
2.78% |
| 80-100% |
113 |
$29,665,000 |
$262,522 |
$3,664 |
2.77% |
| Over 100% |
4 |
$860,000 |
$215,000 |
$7,939 |
3.39% |
| Under 20% |
3 |
$595,000 |
$198,333 |
$3,145 |
2.67% |
Complaints
| Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
| American Financial Network Inc. |
Conventional home mortgage |
Applying for a mortgage or refinancing an existing mortgage |
7 |
33.3% |
| American Financial Network Inc. |
Conventional home mortgage |
Trouble during payment process |
2 |
9.5% |
| American Financial Network Inc. |
FHA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
4.8% |
| American Financial Network Inc. |
FHA mortgage |
Closing on a mortgage |
1 |
4.8% |
| American Financial Network Inc. |
FHA mortgage |
Struggling to pay mortgage |
1 |
4.8% |
| American Financial Network Inc. |
FHA mortgage |
Trouble during payment process |
1 |
4.8% |
| American Financial Network Inc. |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
4.8% |
| American Financial Network Inc. |
Other type of mortgage |
Struggling to pay mortgage |
1 |
4.8% |
| American Financial Network Inc. |
VA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
3 |
14.3% |
| American Financial Network Inc. |
VA mortgage |
Trouble during payment process |
1 |
4.8% |
| American Financial Network Inc. |
Conventional home mortgage |
Closing on a mortgage |
2 |
9.5% |
Bank Details
Branches
| Bank Name |
Branch |
Branch Type |
Deposits (000's) |
| Ameriserv Financial Bank |
101 South Main Street Carrolltown, PA 15722 |
Full Service B&M
|
$69,421 |
| Ameriserv Financial Bank |
1404 Eisenhower Boulevard Johnstown, PA 15904 |
Full Service B&M
|
$151,693 |
| Ameriserv Financial Bank |
1501 Somerset Avenue Windber, PA 15963 |
Full Service B&M
|
$37,861 |
| Ameriserv Financial Bank |
179 Lovell Avenue Ebensburg, PA 15931 |
Full Service B&M
|
$114,506 |
| Ameriserv Financial Bank |
1857 North Atherton Street State College, PA 16803 |
Full Service B&M
|
$42,813 |
| Ameriserv Financial Bank |
216 Franklin Street Johnstown, PA 15901 |
Full Service B&M
|
$249,968 |
| Ameriserv Financial Bank |
4206 Crawford Ave Northern Cambria, PA 15714 |
Full Service B&M
|
$38,687 |
| Ameriserv Financial Bank |
60 Boulevard Of Allies, Suite 100 Pittsburgh, PA 15222 |
Full Service B&M
|
$103,043 |
| Ameriserv Financial Bank |
6858 Route 711, Ste 1 Seward, PA 15954 |
Full Service B&M
|
$25,933 |
| Ameriserv Financial Bank |
104 Sunshine Avenue Central City, PA 15926 |
Full Service B&M
|
$25,014 |
| Ameriserv Financial Bank |
1059 Franklin Street Johnstown, PA 15905 |
Full Service B&M
|
$23,839 |
| Ameriserv Financial Bank |
108 West Main Street Somerset, PA 15501 |
Full Service B&M
|
$47,993 |
| Ameriserv Financial Bank |
110 Plaza Drive Johnstown, PA 15905 |
Full Service B&M
|
$81,968 |
| Ameriserv Financial Bank |
112 South Chestnut Derry, PA 15627 |
Full Service B&M
|
$53,649 |
| Ameriserv Financial Bank |
1213 Scalp Avenue Johnstown, PA 15904 |
Limited, Drive-thru
|
$0 |
| Ameriserv Financial Bank |
12806 Shank Farm Way Hagerstown, MD 21742 |
Full Service B&M
|
$19,651 |
| Ameriserv Financial Bank |
135 Center Street Meyersdale, PA 15552 |
Full Service B&M
|
$35,220 |
| Ameriserv Financial Bank |
1383 Shoemaker Street Nanty Glo, PA 15943 |
Full Service B&M
|
$47,683 |
For 2021, Ameriserv Financial Bank had 18 branches.
Yearly Performance Overview
Bank Income
Ameriserv Financial Bank's gross interest income from loans was $46,524,000.
Ameriserv Financial Bank's net interest income from loans was $40,736,000.
Ameriserv Financial Bank's fee based income from loans was $1,080,000.
Ameriserv Financial Bank's net income from loans was $8,016,000.
Bank Expenses
| Item |
Value (in 000's) |
| Total interest expense |
$5,788 |
| Provision for credit losses |
$1,100 |
| Total noninterest expense |
$36,409 |
| Salaries and employee benefits |
$21,129 |
| Premises and equipment expense |
$3,857 |
| Additional noninterest expense |
$11,423 |
| Applicable income taxes |
$1,953 |
| Net charge-offs |
$47 |
| Cash dividends |
$2,000 |
Ameriserv Financial Bank's interest expense for loans was $5,788,000.
Ameriserv Financial Bank's payroll and benefits expense were $21,129,000.
Ameriserv Financial Bank's property, plant and equipment expenses $3,857,000.
Deposits
| Type |
Value (in 000's) |
| Total deposits |
$1,139,578 |
| Deposits held in domestic offices |
$1,139,578 |
| Deposits by Individuals, partnerships, and corporations |
$999,619 |
| Deposits by U.S. Government |
$0 |
| Deposits by States and political subdivisions in the U.S. |
$138,558 |
| Deposits by Commercial banks and other depository institutions in U.S. |
$1,402 |
| Deposits by Banks in foreign countries |
$0 |
| Deposits by Foreign governments and official institutions |
$0 |
| Transaction accounts |
$258,069 |
| Demand deposits |
$244,963 |
| Nontransaction accounts |
$881,510 |
| Money market deposit accounts (MMDAs) |
$456,021 |
| Other savings deposits (excluding MMDAs) |
$133,163 |
| Total time deposits |
$292,326 |
| Total time and savings deposits |
$894,616 |
| Noninterest-bearing deposits |
$211,306 |
| Interest-bearing deposits |
$928,272 |
| Retail deposits |
$1,072,922 |
| IRAs and Keogh plan accounts |
$75,684 |
| Brokered deposits |
$0 |
| Deposits held in foreign offices |
$0 |
Assets
| Asset |
Value (in 000's) |
| Total Assets |
$1,319,327 |
| Cash & Balances due from depository institutions |
$34,124 |
| Interest-bearing balances |
$10,192 |
| Total securities |
$209,190 |
| Federal funds sold & reverse repurchase |
$0 |
| Net loans and leases |
$973,639 |
| Loan and leases loss allowance |
$12,398 |
| Trading account assets |
$0 |
| Bank premises and fixed assets |
$17,274 |
| Other real estate owned |
$0 |
| Goodwill and other intangibles |
$13,769 |
| All other assets |
$71,331 |
Liabilities
| Liabilities |
Value (in 000's) |
| Total liabilities and capital |
$1,319,327 |
| Total Liabilities |
$1,191,453 |
| Total deposits |
$1,139,578 |
| Interest-bearing deposits |
$928,272 |
| Deposits held in domestic offices |
$1,139,578 |
| % insured (estimated) |
$71 |
| Federal funds purchased and repurchase agreements |
$0 |
| Trading liabilities |
$0 |
| Other borrowed funds |
$46,229 |
| Subordinated debt |
$0 |
| All other liabilities |
$5,646 |
Issued Loan Types
| Type |
Value (in 000's) |
| Net loans and leases |
$973,639 |
| Loan and leases loss allowance |
$12,398 |
| Total loans and leases (domestic) |
$986,037 |
| All real estate loans |
$817,999 |
| Real estate loans in domestic offices |
$817,999 |
| Construction and development loans |
$54,718 |
| Residential 1-4 family construction |
$3,935 |
| Other construction, all land development and other land |
$50,783 |
| Loans secured by nonfarm nonresidential properties |
$406,246 |
| Nonfarm nonresidential secured by owner-occupied properties |
$88,249 |
| Commercial real estate & other non-farm, non-residential |
$317,997 |
| Multifamily residential real estate |
$70,567 |
| 1-4 family residential loans |
$284,327 |
| Farmland loans |
$2,141 |
| Loans held in foreign offices |
$0 |
| Farm loans |
$10 |
| Commercial and industrial loans |
$144,216 |
| To non-U.S. addressees |
$0 |
| Loans to individuals |
$15,095 |
| Credit card loans |
$0 |
| Related Plans |
$10,440 |
| Consumer Auto Loans |
$1,224 |
| Other loans to individuals |
$3,431 |
| All other loans & leases |
$8,717 |
| Loans to foreign governments and official institutions |
$0 |
| Other loans |
$6,782 |
| Loans to depository institutions and acceptances of other banks |
$0 |
| Loans not secured by real estate |
$21,954 |
| Loans secured by real estate to non-U.S. addressees |
$0 |
| Restructured Loans & leases |
$0 |
| Non 1-4 family restructured loans & leases |
$0 |
| Total loans and leases (foreign) |
$0 |
AmeriServ Financial Bank had $973,639,000 of loans outstanding in 2021. $817,999,000 of loans were in real estate loans.
$54,718,000 of loans were in development loans. $70,567,000 of loans were in multifamily mortgage loans.
$284,327,000 of loans were in 1-4 family mortgage loans. $10,000 of loans were in farm loans. $0
of loans were in credit card loans. $1,224,000 of loans were in the auto loan category.
Small Business Loans
| Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
| Nonfarm, nonresidential loans - <$1MM |
246 |
$65,288 |
$265,398 |
| Nonfarm, nonresidential loans - <$100k |
54 |
$1,431 |
$26,500 |
| Nonfarm, nonresidential loans - $100-250k |
69 |
$8,015 |
$116,159 |
| Nonfarm, nonresidential loans - $250k-1MM |
123 |
$55,842 |
$454,000 |
| Commercial & Industrial, US addressed loans - <$1MM |
601 |
$58,855 |
$97,928 |
| Commercial & Industrial, US addressed loans - <$100k |
386 |
$12,191 |
$31,583 |
| Commercial & Industrial, US addressed loans - $100-250k |
101 |
$9,959 |
$98,604 |
| Commercial & Industrial, US addressed loans - $250k-1MM |
114 |
$36,705 |
$321,974 |
| Farmland loans - <$1MM |
1 |
$403 |
$403,000 |
| Farmland loans - $250k-1MM |
1 |
$403 |
$403,000 |
| Agriculture operations loans - <$1MM |
2 |
$10 |
$5,000 |
| Agriculture operations loans - <$100k |
2 |
$10 |
$5,000 |
