- AmeriServ Financial, Inc. reported **net income of $2,544,000** and **$0.15 diluted EPS** for Q3 2025, marking a **115.0% improvement** in net income from Q3 2024.  **[707605_0001104659-25-101052_asrv-20251021xex99d1.htm:1]** 
- For the first nine months of 2025, net income reached **$4,170,000** and diluted EPS was **$0.25**, representing a **56.3% increase** in EPS compared to the same period in 2024.  **[707605_0001104659-25-101052_asrv-20251021xex99d1.htm:1]** 
- The company's net interest income increased by **$2.1 million (23.9%)** in Q3 2025 and **$4.8 million (18.2%)** for the first nine months of 2025, with the net interest margin improving to **3.27%** for Q3 2025 and **3.13%** year-to-date.  **[707605_0001104659-25-101052_asrv-20251021xex99d1.htm:2]** 
- As of September 30, 2025, **total assets were $1.46 billion**, **shareholders' equity was $114.6 million**, and **book value per common share was $6.94**, an increase of **6.0%** from September 30, 2024.  **[707605_0001104659-25-101052_asrv-20251021xex99d1.htm:5]** 
- A **quarterly cash dividend of $0.03 per share** was declared, payable on November 17, 2025, to shareholders of record on November 3, 2025.  **[707605_0001104659-25-101052_asrv-20251021xex99d1.htm:6]**

AmeriServ Financial Reports Increased Earnings for Q3 and First Nine Months of 2025

- AmeriServ Financial, Inc. (ASRV) reported **net income of $2,544,000** and **diluted earnings per share of $0.15** for the third quarter of 2025, representing a **115.0% improvement** in net income compared to the third quarter of 2024.  **[707605_20251021NE02239:0]** 
- For the nine months ended September 30, 2025, net income reached **$4,170,000**, with diluted earnings per share of **$0.25**, an increase of **56.3%** in EPS from the prior year's nine-month period.  **[707605_20251021NE02239:0]** 
- This strong performance was primarily driven by a **23.9% increase in net interest income** for Q3 2025 and an **18.2% increase** for the first nine months of 2025, with the net interest margin improving to **3.27%** in Q3 2025.  **[707605_20251021NE02239:1]** 
- Non-interest expense favorably declined by **3.9%** for the first nine months of 2025, while the provision for credit losses increased significantly to **$3.4 million** for the nine-month period.  **[707605_20251021NE02239:3]** **[707605_20251021NE02239:4]** 
- The company paid a **cash dividend of $0.03 per share** for each quarter in 2025.  **[707605_20251021NE02239:7]**

AMERISERV FINANCIAL INC /PA/ (ASRV)