AmeriServ Financial, Inc. (ASRV) is a bank holding company that owns and operates AmeriServ Financial Bank, a full-service financial institution offering retail and commercial banking, lending, and wealth management services, serving primarily southwestern Pennsylvania and parts of Maryland. Image Source: Zacks Investment ResearchImportantly, borrowed funds declined to $75.3 million from $101.7 million in 2024, and average short-term borrowings fell sharply to $5.6 million from $28.0 million. Deposit costs ...