Overview

* AmeriServ Q3 net income rises 115% yr/yr, driven by higher net interest income

* Net interest income for Q3 2025 increased by $2.1 mln, reflecting effective balance sheet management

* Company announces $0.03 per share quarterly common stock cash dividend

Outlook

* Company expects net interest margin to improve through remainder of 2025

* AmeriServ anticipates favorable impact on Q4 deposit costs from Fed's policy easing

* Company focuses on revenue growth and expense control to improve efficiency

Result Drivers

* NET INTEREST INCOME - Co reports $2.1 mln increase in Q3 net interest income due to effective balance sheet management

* BALANCE SHEET MANAGEMENT - Co attributes improved net interest margin to effective balance sheet management and pricing strategies

* NON-INTEREST INCOME - Higher loan prepayment fees and BOLI revenue positively impacted Q3 results

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 EPS $0.15

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)