AMERISERV FINANCIAL INC /PA/
For the period ended Dec 31, 2025. Filed Mar 18, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 18, 2026
ASRV$4.81-1.4%Stored close · as of Nov 6, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
FORM 10-K INDEX
| | | Page No. |
|---|---|---|
| PART I · | ||
| Item 1. | Business | 3 |
| Item 1A. | Risk Factors | 13 |
| Item 1B. | Unresolved Staff Comments | 13 |
| Item 1C. | Cybersecurity | 13 |
| Item 2. | Properties | 15 |
| Item 3. | Legal Proceedings | 15 |
| Item 4. | Mine Safety Disclosures | 15 |
| PART II | | |
| Item 5. | Market for the Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities | 16 |
| Item 6. | [Reserved] | 16 |
| Item 7. | Management’s Discussion and Analysis of Consolidated Financial Condition and Results of Operations | 17 |
| Item 7A. | Quantitative and Qualitative Disclosures about Market Risk | 37 |
| Item 8. | Consolidated Financial Statements and Supplementary Data | 38 |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 99 |
| Item 9A. | Controls and Procedures | 99 |
| Item 9B. | Other Information | 99 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 99 |
| PART III | | |
| Item 10. | Directors, Executive Officers, and Corporate Governance | 100 |
| Item 11. | Executive Compensation | 107 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters | 123 |
| Item 13. | Certain Relationships and Related Transactions, and Director Independence | 124 |
| Item 14. | Principal Accountant Fees and Services | 125 |
| PART IV | | |
| Item 15. | Exhibits, Financial Statement Schedules | 127 |
| | Signatures | 130 |
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