# EDGAR Filing Document

**Accession Number:** 0000707605
**File Stem:** 0001104659-25-059902
**Filing Date:** 2025-6
**Character Count:** 3917
**Document Hash:** 4a2a8dd430a34caedcf8b7d79806cb49
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-059902.hdr.sgml**: 20250616

**ACCESSION NUMBER**: 0001104659-25-059902

**CONFORMED SUBMISSION TYPE**: ARS

**PUBLIC DOCUMENT COUNT**: 1

**CONFORMED PERIOD OF REPORT**: 20241231

**FILED AS OF DATE**: 20250616

**DATE AS OF CHANGE**: 20250616

**EFFECTIVENESS DATE**: 20250616

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERISERV FINANCIAL INC /PA/
- **CENTRAL INDEX KEY:** 0000707605
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 251424278
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ARS
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-11204
- **FILM NUMBER:** 251050617

**BUSINESS ADDRESS:**
- **STREET 1:** MAIN & FRANKLIN STS
- **STREET 2:** PO BOX 430
- **CITY:** JOHNSTOWN
- **STATE:** PA
- **ZIP:** 15907
- **BUSINESS PHONE:** 8145335300

**MAIL ADDRESS:**
- **STREET 1:** MAIN & FRANKLIN STS
- **STREET 2:** PO BOX 430
- **CITY:** JOHNSTOWN
- **STATE:** PA
- **ZIP:** 15907

### Attached PDF Documents

**Attachment 1:** `tm256212d2_ars.pdf`

![img-0.jpeg](img-0.jpeg)

![img-1.jpeg](img-1.jpeg)

YOU ARE
NEXT.

*AmeriServ Financial, Inc.*
2024 Annual Report

![img-2.jpeg](img-2.jpeg)

# You Are Next.

When you come to AmeriServ, it's your turn for flexible checking options.
You're on deck for prudent wealth management.
You're up for secure online banking.
You're positioned for confident retirement planning.
Your moment is here for a small business loan.
You're this close to owning your dream home.

Whatever your banking needs may be, we know you well enough to place you at the head of the line. That's why we say, at AmeriServ, You Are Next.

![img-3.jpeg](img-3.jpeg)

# Contents.

Customer Highlights 2
Financial Highlights 14
A Message to Our Shareholders 16
Operational Review 19
Branch Locations 24

2
![img-4.jpeg](img-4.jpeg)

Amara Pappan
Director of Business Development
Byzantine, Inc.

Spiro Pappan
Owner and President
Byzantine, Inc.

# Commercial Banking.

"We have been proud customers of AmeriServ since 2012. Our long-standing relationship with AmeriServ and Mitch Edwards has been defined by clear communication, competitive financing options, and exceptional customer service to support our real estate development and construction projects. Mitch and the team have consistently provided prompt, professional support, ensuring a seamless experience at every stage of the lending process. The McKeesport property, financed through AmeriServ, is one of many plazas we have developed with their support, which is a true testament to the efficiency and reliability they bring to every transaction."

4

# Retail Banking.

"My wife and I have been with AmeriServ for over 20 years. Our experience has always been exceptional at any AmeriServ location but especially at the Carrolltown office. When choosing a bank for our business, AmeriServ was the obvious choice with easily accessible locations and online banking options. AmeriServ has always provided a personal touch and they know us by name. We look forward to growing our business for the community and with AmeriServ."

![img-5.jpeg](img-5.jpeg)

![img-6.jpeg](img-6.jpeg)

Charles &amp; Kristie Deckard
Owners
Double Deckard's Deli

![img-7.jpeg](img-7.jpeg)

Bob and Gina Tokar
Homeowners
New Construction Build

![img-8.jpeg](img-8.jpeg)

# Retail Lending.

"Our AmeriServ Mortgage Originator, Kevin Reighard, made our transaction easy and efficient. He made us feel valued as customers through his responsive actions and thoughtful solutions. AmeriServ partnered well with our builder to make the construction loan process seamless and bring our dream home to life."

7

8

![img-9.jpeg](img-9.jpeg)

JEFFREY A. STOPKO
President &amp; CEO
AmeriServ Financial, Inc.

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