First Commonwealth Bank
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Data as of · sourced from FFIEC call reports. How we update
First Commonwealth Bank is an FDIC-insured commercial bank headquartered in Indiana, PA, established in 1880 (FDIC certificate 7468), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $12.18B, down 0.2% from Q2 2025, the 8th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 12.24% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 7468
- Headquarters
- Indiana, PA
- Established
- 1880
- Total assets, Q2 2026
- $12.18B
- Assets vs Q2 2025
- -0.2%
- CET1 ratio, Q2 2026
- 12.24%
- Domestic offices
- 129 FDIC institution directory, current count
- Routing number
- 043306826
- Holding company
- FIRST COMMONWEALTH FINANCIAL CORPORATION
- Asset rank in state
- 8th of 109 in Pennsylvania
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 0.89% and a Texas ratio of 5.02%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Commonwealth Bank is the 8th largest of the 109 banks headquartered in Pennsylvania. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $12.18B, loans rose 0.5% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 25.2% of total loans, followed by commercial and industrial loans at 19.2%. Its 128 offices in the FDIC Summary of Deposits are in 89 cities across 2 states; its Pittsburgh 10 offices book 8% of its branch deposits. On its Q2 2026 call report, First Commonwealth Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 129 FDIC institution directory, current count
- 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 |
| Linda D Metzmaier | CRO | EVP / Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, First Commonwealth Bank's total assets ranged from $11.39B (Q3 2023) to $12.31B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.18B total assets against $12.21B; $10.65B total liabilities against $10.73B.
$9.38B net loans and leases against $9.48B; $10.33B total deposits against $10.19B.
$1.67B securities against $1.61B; $173.7M cash and balances due against $154.3M.
$159.3M total interest income against $158.9M; $45.8M total interest expense against $51.6M.
$113.5M net interest income against $107.3M.
$26.1M total noninterest income against $24.9M; $72.7M total noninterest expense against $74.5M.
$8.9M provision for credit losses against $12.7M.
$46.1M net income against $35.8M.
1.50% return on assets against 1.18%; 4.00% net interest margin against 3.82%.
12.24% CET1 capital ratio against 11.64%; 10.17% tier 1 leverage ratio against 9.89%.
Inside the full First Commonwealth Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 142 of 4,196, for total assets; its furthest is 1,636 of 2,134, for CET1 ratio.
Banks merged into First Commonwealth Bank
- CenterBank, effective May 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.14% (Q3 2024) to 1.52% (Q4 2025) and its net interest margin ran from 3.56% (Q4 2024) to 4.01% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 1.50% | 0.89% | 5.02% | 4.00% |
| Q1 2026 | 12.01% | 1.29% | 1.01% | 5.45% | 3.87% |
| Q4 2025 | 11.69% | 1.52% | 0.95% | 5.25% | 4.01% |
| Q3 2025 | 11.70% | 1.41% | 0.93% | 5.37% | 3.95% |
| Q2 2025 | 11.64% | 1.18% | 1.05% | 7.04% | 3.82% |
| Q1 2025 | 11.84% | 1.18% | 0.66% | 4.18% | 3.56% |
| Q4 2024 | 11.85% | 1.30% | 0.70% | 4.97% | 3.56% |
| Q3 2024 | 11.65% | 1.14% | 0.84% | 6.19% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 128 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired Reliable Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 14, 1995 | M&A | Acquired Cenwest National Bank merger for the acquired bank | SEC |
| November 14, 1995 | Structure Change | Acquired Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | 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
Facts as filed or published, not a rating.
- Deposit market share
- 1.4% of deposits in PA, rank 16 of 145 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Commonwealth Bank headquartered?
It is headquartered in Indiana, PA, United States.
When was First Commonwealth Bank founded?
It was established in 1880, per the FDIC institution directory.
Is First Commonwealth Bank FDIC-insured?
Yes. It 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.
What is First Commonwealth Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 5.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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