AmeriServ Financial Inc. (NASDAQ: ASRV) reported a net loss of $282,000 for the second quarter of 2025, an improvement from the $375,000 net loss recorded in the same quarter of 2024. For the six-month period ending June 30, 2025, the company achieved a net income of $1.626 million, an increase from $1.529 million for the same period in 2024. The company reported a 34 basis point increase in net interest margin for the first half of 2025, leading to a $2.7 million rise in net interest income. Total revenue increased due to this improvement, while non-interest expenses declined, contributing to positive operating leverage in both quarters of 2025. AmeriServ's total interest expense decreased by $340,000, or 4.5%, in the second quarter of 2025 compared to the same period last year. For the first six months of 2025, interest expense decreased by $726,000, or 4.8%, compared to the first half of 2024. Despite an increase of $68.7 million, or 7.0%, in total average interest-bearing deposits, deposit interest expense declined by $56,000, or 0.4%, in the first six months of 2025. The company resolved its largest problem loan in the second quarter of 2025, which led to an increased provision for credit losses and contributed to the modest loss for the quarter. AmeriServ continues to focus on expense control and revenue growth to enhance operating efficiency. The loan to deposit ratio averaged 86.2% in the second quarter of 2025, indicating capacity for loan portfolio growth and support for customers during economic volatility.