Company: ASRV
Filing Date: 2025-06-25
Form Type: 11-K
Source: 0001558370-25-008853
Chunk: 0

Company: AMERISERV FINANCIAL INC /PA/
Filing Date: 2025-06-25
Form: 11-K
Chunk 0
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<div align='center'>UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 11-K

[ X ] Annual Report pursuant to Section 15(d) of the
Securities Exchange Act of 1934 for the fiscal year
ended December 31, 2024

or

[ ] Transition Report pursuant to Section 15(d) of the
Securities Exchange Act of 1934 for the transition
period from ____________ to ______________

Commission File Number: 0-11204

AmeriServ Financial
401(k) Profit Sharing Plan
(Full title of the plan)

AmeriServ Financial, Inc.
Main and Franklin Streets
Johnstown, PA 15907
(Name of issuer of the securities held pursuant to the plan and
the address of its principal executive office)</div>

| ​                                         | ​                    | ​                                                                                                         |      ​ |
| Item 1. Financial Statements and Exhibits |                      |                                                                                                           |        |
| a.                                        | Financial Statements |                                                                                                           |   Page 
 Number |
| ​                                         | ​                    | Report of Independent Registered Public Accounting Firm.                                                  |      3 |
| ​                                         | ​                    | Statement of Net Assets Available for Benefits as of December 31, 2024 and 2023.                          |      5 |
| ​                                         | ​                    | Statement of Changes in Net Assets Available for Benefits for the years ended December 31, 2024 and 2023. |      6 |
| ​                                         | ​                    | Notes to Financial Statements.                                                                            |      7 |
| ​                                         | ​                    | Supplemental Schedule.                                                                                    |     16 |
| b.                                        | Exhibits             |                                                                                                           |        |
| ​                                         | ​                    | Signatures                                                                                                |     18 |
| ​                                         | ​                    | Consent of S. R. Snodgrass, P.C.                                                                          |     19 |

2

### REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
To the Board of Trustees

AmeriServ Financial 401(k) Profit Sharing Plan

Opinion on the Financial Statements

We have audited the accompanying statements of net assets available for benefits of the AmeriServ Financial 401(k) Profit Sharing Plan (the “Plan”) as of December 31, 2024 and 2023; the related statements of changes in net assets available for benefits for the years then