First Commonwealth Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Commonwealth Bank, based in Indiana, Pennsylvania, reported $12.2 billion in assets at June 30, 2026. It shrank its loan book 1.1% over the year, lower than about three-quarters of the 127 banks with $10 billion to $100 billion in assets (median 6.3%). It also holds about a quarter of its deposits (28%) above the FDIC insurance limit, lower than about three-quarters of banks its size (median 38.6%).
Net income for the quarter rose 29% from a year earlier, to $46 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.64% of loans, down from 0.88% a year earlier.
As of June 30, 2026, First Commonwealth Bank reported a CET1 capital ratio of 12.24%, a return on assets of 1.50%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 5.02%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 654 Philadelphia St, Indiana, PA 15701
- County
- Indiana
- Metro Area
- Indiana, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- September 21, 1880
- Former names
- Deposit Bank (1980-1995); Deposit National Bank (1973-1980); Du Bois Deposit National Bank (1950-1973)
- Offices
- 129 domestic
- Employees (FTE)
- 1,589
- Domestic deposits
- $10.33B
- Allowance for credit losses
- $127.4M
- Net charge-offs (YTD)
- $19.6M
- Average total assets
- $12.25B
- Average total loans
- $9.34B
- Average interest-bearing deposits
- $7.99B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 7468
- Fed RSSD
- 42420
- SEC CIK
- 712537 → filed by FIRST COMMONWEALTH FINANCIAL CORPORATION
- Website
- www.fcbanking.com →
- Parent Holding Company
- FIRST COMMONWEALTH FINANCIAL CORPORATION (RSSD 1071306) · FCF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Price T Michael | CEO | President & CEO |
| James R Reske | CFO | EVP/Chief Financial Officer |
| Brian J Sohocki | CCO | EVP/Chief Credit Officer |
| Gorney Ryan Lysaght | CIO | EVP/ Chief Information Officer |
| Matthew C Tomb | CRO | EVP/Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Commonwealth Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Commonwealth Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Commonwealth Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into First Commonwealth Bank
- CenterBank, effective May 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 1.50% | 1.29% | 10.16% | 4.00% |
| Q1 2026 | 12.01% | 1.29% | 1.26% | 9.87% | 3.87% |
| Q4 2025 | 11.69% | 1.52% | 1.08% | 8.69% | 4.01% |
| Q3 2025 | 11.70% | 1.41% | 1.08% | 8.69% | 3.95% |
| Q2 2025 | 11.64% | 1.18% | 1.21% | 9.75% | 3.82% |
| Q1 2025 | 11.84% | 1.18% | 0.82% | 6.75% | 3.56% |
| Q4 2024 | 11.85% | 1.30% | 0.82% | 6.96% | 3.56% |
| Q3 2024 | 11.65% | 1.14% | 0.97% | 7.96% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 128 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Commonwealth Bank (main office) | Indiana , PA | 15701 | $575.9M |
| Allegheny Township Branch | Leechburg , PA | 15656 | $195.9M |
| Centerbank Branch | Milford , OH | 45150 | $183.0M |
| Downtown Delaware Branch | Delaware , OH | 43015 | $176.8M |
| Garfield Office | Cincinnati , OH | 45202 | $166.1M |
| Centric Bank Mo Branch | Harrisburg , PA | 17112 | $151.6M |
| Natrona Heights Branch Office | Natrona Heights , PA | 15065 | $149.1M |
| St. Marys Branch | Saint Marys , PA | 15857 | $147.9M |
| Belden Village Branch | Canton , OH | 44718 | $145.6M |
| Sunbury Branch | Sunbury , OH | 43074 | $145.4M |
| Foxboro Branch | Massillon , OH | 44646 | $144.4M |
| Highland Lakes Branch | Westerville , OH | 43082 | $144.0M |
| Locust Street Branch | Canal Fulton , OH | 44614 | $139.5M |
| Sawmill Road Branch | Powell , OH | 43065 | $139.3M |
| Downtown Greensburg Office | Greensburg , PA | 15601 | $134.3M |
| Meadows Branch | Hollidaysburg , PA | 16648 | $132.8M |
| Oakwood Square Branch | Canton , OH | 44721 | $126.9M |
| East Hills Office | Greensburg , PA | 15601 | $125.4M |
| Shaler Branch | Pittsburgh , PA | 15223 | $124.4M |
| Munhall Branch | Munhall , PA | 15120 | $119.9M |
| Imperial Branch | Oakdale , PA | 15071 | $119.9M |
| Saxonburg Branch | Saxonburg , PA | 16056 | $119.5M |
| Pleasant Valley Branch | Altoona , PA | 16602 | $119.3M |
| Murrysville Branch | Murrysville , PA | 15668 | $119.0M |
| Pittsburgh Mills Office Branch | Tarentum , PA | 15084 | $113.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 1, 2025 | M&A | Acquired CenterBank merger for the acquired bank | SEC |
| May 1, 2025 | Structure Change | Acquired CenterBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | M&A | Acquired Centric Bank merger for the acquired bank | SEC |
| February 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2023 | Structure Change | Acquired Centric Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2018 | M&A | Acquired Foundation Bank merger for the acquired bank | SEC |
| May 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2018 | Structure Change | Acquired Foundation Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 3, 2017 | M&A | Acquired The Delaware County Bank and Trust Company merger for the acquired bank | SEC |
| April 3, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 3, 2017 | Structure Change | Acquired The Delaware County Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2015 | M&A | Acquired First Community Bank merger for the acquired bank | SEC |
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2006 | M&A | Acquired Laurel Financial Group, Inc. merger for the acquired bank | SEC |
| September 29, 2006 | Structure Change | Acquired Laurel Financial Group, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2006 | M&A | Acquired Laurel Savings Bank merger for the acquired bank | SEC |
| August 29, 2006 | Structure Change | Acquired Laurel Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2006 | M&A | Acquired First Commonwealth Systems Corporation merger for the acquired bank | SEC |
| January 1, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2006 | Structure Change | Acquired First Commonwealth Systems Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 25, 2004 | M&A | Acquired Great American Federal merger for the acquired bank | SEC |
| May 25, 2004 | Structure Change | Acquired Great American Federal Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 24, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2003 | M&A | Acquired Pittsburgh Savings Bank merger for the acquired bank | SEC |
| December 5, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 5, 2003 | Structure Change | Acquired Pittsburgh Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 15, 2002 | M&A | Acquired Southwest Bank merger for the acquired bank | SEC |
| October 15, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 15, 2002 | Structure Change | Acquired Southwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 1997 | M&A | Acquired Reliable Savings Bank merger for the acquired bank | SEC |
| September 27, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 27, 1997 | Structure Change | Acquired Reliable Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 14, 1995 | M&A | merger | SEC |
| November 14, 1995 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 37 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Commonwealth Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in PA, rank 16 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 7,549 applications, 4,663 loans originated, $758.0M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 177 loans, $107.0M approved, $604K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 45 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Commonwealth Bank
What are First Commonwealth Bank's total assets?
As of the Q2 2026 filing, First Commonwealth Bank reported total assets of $12.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Commonwealth Bank headquartered?
First Commonwealth Bank is headquartered in Indiana, PA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Commonwealth Bank founded?
First Commonwealth Bank was established in 1880, per the FDIC institution directory.
Is First Commonwealth Bank FDIC-insured?
Yes. First Commonwealth Bank is an FDIC-insured commercial bank (FDIC Certificate #7468). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Commonwealth Bank?
First Commonwealth Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First Commonwealth Bank's CET1 capital ratio?
First Commonwealth Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does First Commonwealth Bank operate?
First Commonwealth Bank operates 129 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Commonwealth Bank's Texas Ratio?
First Commonwealth Bank's Texas Ratio is 5.02% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Commonwealth Bank previously called?
The charter now named First Commonwealth Bank has also operated as Deposit Bank (1980-1995), Deposit National Bank (1973-1980), Du Bois Deposit National Bank (1950-1973), per FDIC structure-change records.
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