AmeriServ Financial is a Pennsylvania bank holding company that owns and operates AmeriServ Financial Bank, serving customers across multiple Pennsylvania counties and Maryland through retail banking, commercial lending, and wealth management services. The Bank offers traditional deposit products, consumer and commercial loans including mortgages and construction financing, treasury services, and related banking services at branch locations across its primary markets in central and western Pennsylvania and Maryland. The Company generates revenue from interest income on loans and securities, deposit account fees, lending commissions, trust and wealth management fees from approximately $2.7 billion in administered assets, insurance and annuity sales, and treasury service fees, while maintaining a disciplined capital structure and strong liquidity position backed by FDIC insurance.