FIRST COMMONWEALTH BANK

INDIANA, PA | Regional | Est. Sept. 21, 1880, midnight | FDIC #7468 | RSSD #42420 | FDIC
Latest Report: 2025-12-31

FIRST COMMONWEALTH BANK is arn regional FDIC-insured commercial bank headquartered in INDIANA, PA, established in Sept. 21, 1880, midnight. As of 2025-12-31, the bank reported total assets of $12.3B and total deposits of $10.3B. Profitability stands at 1.52% ROA and 12.38% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 11.69%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.94% and a Texas Ratio of 5.67%. FDIC Certificate #7468.

Assets

$12.3B

Deposits

$10.3B

Loans

$9.8B

Equity

$1.5B

Profitability

Return on Assets (ROA) 1.52%
Return on Equity (ROE) 12.38%
Net Interest Margin (NIM) 4.04%
Yield on Assets 5.79%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.94%
Net Charge-Off Ratio 0.30%
Texas Ratio 5.67%
NPA Ratio 0.75%
ACL / Loans 1.29%

Capital & Liquidity

CET1 Ratio 11.69%
Tier 1 Capital 11.69%
Total Capital Ratio 13.43%
Leverage Ratio 9.97%
Loan-to-Deposit 94.55%

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