AmeriServ Financial, Inc. (NASDAQ: ASRV) announced on October 21, 2025 that it earned $2.544 million in net income for the third quarter of 2025, translating to $0.15 per diluted share—an increase of 115% over the $1.183 million net income and $0.07 EPS reported for the same quarter in 2024. For the nine‑month period ended September 30, 2025, the company posted $4.170 million in net income, or $0.25 per diluted share, up 56.3% from $2.712 million and $0.16 EPS for the nine months of 2024.
The earnings were driven by a $2.1 million rise in net interest income, a 23.9% year‑over‑year increase, and a net interest margin of 3.27% for the quarter, up from 3.13% for the nine‑month period. Net interest income for the nine months also grew by $4.8 million, or 18.2% YoY, while the net interest margin improved by 41 basis points to 3.13% for the nine‑month period. These gains were supported by controlled balance‑sheet growth, higher loan balances, and effective pricing of commercial real‑estate loans.
Net interest expense fell by $345 k, a 4.4% decline, and the company’s net interest margin benefited from lower funding costs and a shift to lower‑cost term borrowing. The combination of higher net interest income and reduced interest expense contributed to the margin expansion and underpins the company’s ability to sustain its dividend policy.
AmeriServ also announced a quarterly common‑stock cash dividend, continuing its dividend policy for shareholders. The earnings beat and margin improvement reinforce the company’s financial strength and support the dividend payout.
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