BlastPoint's Banking Scorecard
First Commonwealth Bank
Indiana, PA
129 branches across PA · OH
First Commonwealth Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.8% in tier
- - Capital Thin: Bottom 40.0% in tier
- - Efficiency Ratio 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$12.2B
+4.1% YoY
-0.6% QoQ
|
-$34.7B |
$47.0B
-1.9% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.5% in tier |
| Total Loans ? |
$9.3B
+3.6% YoY
-3.3% QoQ
|
-$20.0B |
$29.4B
-0.4% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$10.5B
+5.7% YoY
+1.6% QoQ
|
-$27.9B |
$38.4B
-1.6% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.1% in tier |
| Return on Assets ? |
1.29%
+8.0% YoY
-3.6% QoQ
|
+0.01% |
1.28%
+18.7% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.92%
+7.6% YoY
-0.1% QoQ
|
+0.15% |
3.77%
+5.8% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
54.34%
-6.1% YoY
+0.4% QoQ
|
+0.34% |
54.01%
-3.7% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
1.02%
+51.8% YoY
+5.8% QoQ
|
+0.00% |
1.02%
-3.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
88.81%
-2.0% YoY
-4.8% QoQ
|
+8.02% |
80.79%
+1.9% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
23.53%
-0.9% YoY
-1.3% QoQ
|
+3.49% |
20.04%
+0.2% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.78%
+48.4% YoY
+2.2% QoQ
|
+0.06% |
0.72%
+4.2% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
12.01%
+1.4% YoY
+2.7% QoQ
|
-3.51% |
15.51%
-0.4% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.20%
+2.2% YoY
-74.8% QoQ
|
-0.03% |
0.22%
+0.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.