CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2025	Sep. 30, 2024	Sep. 30, 2025	Sep. 30, 2024
INTEREST INCOME
Interest and fees on loans	$ 15,688	$ 14,301	$ 45,128	$ 42,080
Interest bearing deposits and short-term investments	144	55	433	183
Investment securities:
Available for sale	1,967	1,765	5,653	5,465
Held to maturity	640	587	1,895	1,714
Trading securities	44		85
Total Interest Income	18,483	16,708	53,194	49,442
INTEREST EXPENSE
Deposits	6,549	6,515	19,081	19,103
Short-term borrowings	111	417	230	1,308
Advances from Federal Home Loan Bank	528	600	1,685	1,652
Financing lease liabilities	25	26	76	81
Subordinated debt	263	263	790	789
Total Interest Expense	7,476	7,821	21,862	22,933
Net Interest Income	11,007	8,887	31,332	26,509
Provision (recovery) for credit losses	360	(51)	3,396	(174)
Net Interest Income after Provision (Recovery) for Credit Losses	10,647	8,938	27,936	26,683
NON-INTEREST INCOME
Non-interest income	3,660	3,879	10,731	11,811
Mortgage banking revenue	39	85	125	231
Trading securities revenue	55		90
Bank owned life insurance	533	244	1,041	821
Other income	622	520	2,022	2,205
Total Non-Interest Income	4,401	4,203	12,618	13,522
NON-INTEREST EXPENSE
Salaries and employee benefits	7,317	7,122	21,616	21,347
Net occupancy expense	705	706	2,292	2,227
Equipment expense	376	371	1,170	1,148
Professional fees	601	792	2,189	3,888
Data processing and IT expense	1,247	1,287	3,652	3,588
Supplies, postage and freight	176	163	522	474
Miscellaneous taxes and insurance	366	339	1,078	999
Federal deposit insurance expense	260	255	740	760
Other expense	916	686	2,177	2,451
Total Non-Interest Expense	11,964	11,721	35,436	36,882
PRETAX INCOME	3,084	1,420	5,118	3,323
Provision for income taxes	540	237	948	611
NET INCOME	$ 2,544	$ 1,183	$ 4,170	$ 2,712
Basic:
Net income (in dollars per share)	$ 0.15	$ 0.07	$ 0.25	$ 0.16
Average number of shares outstanding (in shares)	16,519,267	16,519,267	16,519,267	16,897,444
Diluted:
Net income (in dollars per share)	$ 0.15	$ 0.07	$ 0.25	$ 0.16
Average number of shares outstanding (in shares)	16,519,368	16,519,267	16,519,267	16,897,444
Wealth management fees
NON-INTEREST INCOME
Non-interest income	$ 2,849	$ 3,050	$ 8,495	$ 9,375
Service charges on deposit accounts
NON-INTEREST INCOME
Non-interest income	$ 303	$ 304	$ 845	$ 890

AMERISERV FINANCIAL INC /PA/ 10-Q