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First Commonwealth Bank

$10B-$250B Specialty: Commercial PA FDIC cert 7468

Indiana, PA

129 branches across PA · OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 8 in PA.
  • Deposits +1.4% year over year ($10.3B on the books).
  • Delinquency rate 0.90%.
  • Return on assets 1.40%.
  • Efficiency ratio 52.85% vs a 53.67% peer average.
  • Loan-to-deposit ratio 90.81% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 8 in PA
View $10B-$250B leaderboard (PA) →

First Commonwealth Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 0.82% below tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.5% in tier
  • - Flatlined Growth: Bottom 46.1% in tier
Get updates when First Commonwealth Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $12.2B
-0.2% YoY -0.5% QoQ
-$31.4B $43.6B
-13.8% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
Bottom 10.8% in tier
Total Loans ? $9.4B
-1.0% YoY +0.5% QoQ
-$18.6B $28.0B
-8.6% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $10.3B
+1.4% YoY -1.7% QoQ
-$25.1B $35.4B
-14.0% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
Bottom 12.9% in tier
Return on Assets ? 1.40%
+17.4% YoY +8.7% QoQ
+0.01% 1.39%
+25.9% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 4.00%
+5.6% YoY +1.9% QoQ
+0.08% 3.92%
+8.9% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 52.85%
-6.7% YoY -2.7% QoQ
-0.82% 53.67%
-1.9% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
58%
Delinquency Rate ? 0.90%
-15.0% YoY -11.4% QoQ
-0.11% 1.01%
-2.8% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
36%
Loan-to-Deposit Ratio ? 90.81%
-2.3% YoY +2.3% QoQ
+8.20% 82.61%
+3.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
27%
Non-Interest-Bearing Deposit Share ? 24.07%
+1.5% YoY +2.3% QoQ
+3.49% 20.58%
+4.9% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.72%
-14.2% YoY -8.3% QoQ
-0.02% 0.73%
+5.8% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 12.24%
+5.2% YoY +2.0% QoQ
-3.11% 15.35%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.41%
+5.6% YoY +109.6% QoQ
-0.08% 0.50%
+10.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 24.1%
+0.4pp YoY
+0.5pp QoQ
 +3.0pp 21.0% 18.7% 22.2% 57%
Brokered Deposits n/a n/a 9.2% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 19.5%
+1.1pp YoY
-0.1pp QoQ
 +2.3pp 17.2% 8.6% 12.5% 66%
CRE 38.2%
-2.2pp YoY
-0.4pp QoQ
 -3.8pp 42.0% 37.9% 41.4% 36%
1-4 Family 25.5%
+0.1pp YoY
+0.2pp QoQ
 +2.4pp 23.1% 47.8% 31.3% 67%
Consumer 15.5%
+0.6pp YoY
+0.2pp QoQ
 +2.6pp 12.9% 3.8% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 12.2%
+0.6pp YoY
+0.2pp QoQ
 -3.0pp 15.3% 22.3% 19.7% 30%
Leverage Ratio 10.2%
+0.3pp YoY
+0.2pp QoQ
 -0.3pp 10.4% 13.2% 12.6% 51%
Total Capital Ratio 14.0%
+0.6pp YoY
+0.2pp QoQ
 -2.5pp 16.5% 23.3% 20.8% 45%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 1,589
+27 (+1.7%) YoY
-3 (-0.2%) QoQ
 -1,669 3,258 299 482 37%
Assets per Employee ($) $7.7M
-1.9% YoY
-0.3% QoQ
 -$19.4M $27.0M $9.2M $8.8M 8%
Branch Count 129
-1 (-0.8%) YoY
0 QoQ
 -9 137 20 18 63%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.4% 44%
Nonaccrual 0.9%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 0.7% 0.9% 1.0% 73%
Allowance Coverage 1.50x
+13.8% YoY
+10.7% QoQ
 -1.31x 2.81x 3.63x 20.23x 38%
Net Charge-off Rate (YTD) 0.4%
+0.3pp YoY
+0.1pp QoQ
 0.0pp 0.4% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 11.3%
+1.4pp YoY
+0.8pp QoQ
 -1.3pp 12.6% 10.2% 11.6% 52%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 2.0% 1.8% 1.7% 34%
Net Income ($, YTD) $85.5M
+21.4% YoY
— QoQ
 -$211.3M $296.8M $18.2M $40.4M 23%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk
#2 of 40 • Bottom 2.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.81%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
40 of 40 Large banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#13 of 26 • Bottom 46.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.40%
(Tier: 1.39%, National: 1.30%)
better than tier avg
26 of 26 Large banks match · 719 nationally
→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (1 metrics)

34
Net Interest Margin
profitability
Value: 4.00%
Peer Median: 3.92%
#34 of 139 Top 23.7% in $10B-$250B

Top Weaknesses (3 metrics)

125
Total Assets
size
Value: $12.18B
Peer Median: $43.60B
#125 of 139 Bottom 10.8% in $10B-$250B
122
Total Deposits
size
Value: $10.33B
Peer Median: $35.42B
#122 of 139 Bottom 12.9% in $10B-$250B
114
Total Loans
size
Value: $9.38B
Peer Median: $27.97B
#114 of 139 Bottom 18.7% in $10B-$250B
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