Bank Comparison
First Commonwealth Bank vs Plainscapital Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 9
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| CET1 Ratio | 12.01% | 12.72% |
| Tier 1 Capital Ratio | 12.01% | 12.72% |
| Total Capital Ratio | 13.76% | 13.77% |
| Tier 1 Leverage Ratio | 9.95% | 9.54% |
| Equity / Assets | 12.28% | 10.87% |
Profitability
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 1.07% |
| Return on Equity (ROE) | 10.48% | 9.37% |
| Net Interest Margin (NIM) | 3.87% | 3.31% |
| Yield on Earning Assets | 5.53% | 5.05% |
| Cost of Funds | 1.77% | 1.87% |
Asset quality
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| Texas Ratio | 9.87% | 13.43% |
| Non-Performing Loan Ratio | 1.26% | 1.23% |
| Non-Performing Asset Ratio | 0.97% | 0.95% |
| Net Charge-Off Ratio | 0.35% | 0.19% |
| ACL / Loans | 1.36% | 1.00% |
Balance sheet
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| Total Assets | $12,232M | $12,440M |
| Total Deposits | $10,513M | $10,680M |
| Total Loans | $9,465M | $8,880M |
| Total Equity | $1,501M | $1,352M |
| Net Income (quarter) | $39,452K | $33,474K |
Liquidity & funding
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.04% | 83.15% |
| Core Deposit Ratio | 96.06% | 94.63% |
| Uninsured Deposit Ratio | 28.46% | 55.31% |
Identity
| Metric | First Commonwealth Bank | Plainscapital Bank |
|---|---|---|
| Headquarters City | INDIANA | UNIVERSITY PARK |
| Headquarters State | PA | TX |
| Asset Tier | Regional | Regional |
| Charter Class | 14098 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 130 | 58 |
| Employees (FTE) | 1,592 | 2,256 |
| Established | April 7, 1934, midnight | Sept. 15, 1955, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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