<span item_type="fundamental" item_id="c112cda62173888eedd805cde04a59b4" counter_id="ST/US/ASRV" env="prod"></span><span item_type="announcement" item_id="582421218453357441" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 22.88 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.15.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -7.923 M.</p><p></p><h3>Segment Revenue</h3><ul><li><strong>Net Interest Income</strong>: $11,007 thousand for Q3 2025, up from $8,887 thousand in Q3 2024, a 23.9% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Non-Interest Income</strong>: $4,401 thousand for Q3 2025, up from $4,203 thousand in Q3 2024, a 4.7% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h3>Operational Metrics</h3><ul><li><strong>Net Income</strong>: $2,544 thousand for Q3 2025, up from $1,183 thousand in Q3 2024, a 115.0% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Operating Costs</strong>: Non-interest expense for Q3 2025 was $11,964 thousand, up from $11,721 thousand in Q3 2024, a 2.1% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h3>Cash Flow</h3><ul><li><strong>Operating Cash Flow</strong>: $1,941 thousand for the nine months ended September 30, 2025, compared to - $685 thousand for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h3>Unique Metrics</h3><ul><li><strong>Loan Interest Income</strong>: $15,699 thousand for Q3 2025, up from $14,308 thousand in Q3 2024, a 9.7% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Investment Securities Income</strong>: $2,607 thousand for Q3 2025, up from $2,352 thousand in Q3 2024, a 10.8% increase.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Trading Securities Revenue</strong>: $55 thousand for Q3 2025, with no comparable figure for Q3 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li><strong>Net Interest Margin</strong>: The net interest margin for Q3 2025 was 3.27%, up from 2.71% in Q3 2024, indicating improved profitability from interest-earning assets.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Loan Growth</strong>: Total average loans in Q3 2025 were higher by $33.4 million, or 3.2%, compared to Q3 2024, reflecting consistent new loan funding opportunities.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Deposit Growth</strong>: Total average deposits in Q3 2025 were $1.238 billion, up by $72.8 million, or 6.3%, from Q3 2024, indicating successful business development efforts.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h4>Non-Core Business</h4><ul><li><strong>Trading Account</strong>: The Company established a $5 million trading account in 2025, generating $55 thousand in revenue for Q3 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Bank Owned Life Insurance (BOLI)</strong>: Revenue from BOLI increased by $289 thousand, or 118.4%, in Q3 2025 due to receiving two death claims.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul><h3>Priority</h3><ul><li><strong>Expense Management</strong>: Non-interest expense increased modestly by 2.1% in Q3 2025 compared to Q3 2024, indicating controlled cost management.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li><li><strong>Provision for Credit Losses</strong>: The Company recorded a $360 thousand provision for credit losses in Q3 2025, compared to a recovery of $51 thousand in Q3 2024, reflecting increased specific reserves for certain loan relationships.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/707605/000110465925111219/asrv-20250930x10q.htm"></span></li></ul>

Ameriserv Financial | 10-Q: FY2025 Q3 Revenue: USD 22.88 M