BanksFIRST COMMONWEALTH BANK

FIRST COMMONWEALTH BANK

INDIANA, PARegionalEst. Sept. 21, 1880, midnightFDIC #7468RSSD #42420FDIC
Latest · 2025-12-31

FIRST COMMONWEALTH BANK is an 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%. CET1 capital ratio: 11.69%, well above regulatory minimums. NPL ratio: 0.94% · Texas Ratio: 5.67%. Operates 130 domestic branches.

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 Margin4.04%
Yield on Assets5.79%
Cost of Funds1.87%

Asset Quality

NPL Ratio0.94%
Net Charge-Off Ratio0.30%
Texas Ratio5.67%
NPA Ratio0.75%
ACL / Loans1.29%

Capital & Liquidity

CET1 Ratio11.69%
Tier 1 Capital11.69%
Total Capital Ratio13.43%
Leverage Ratio9.97%
Loan-to-Deposit94.55%

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