First Commonwealth Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Retained earnings, which rose 3.4% to $708.2M. Within Pennsylvania, First Commonwealth Bank is 55th of 72 on CET1 ratio, 12.24% as of Q2 2026. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. First Commonwealth Bank sits 0.71 points lower, at 12.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.24% |
| Tier 1 risk-based capital ratio | 12.24% |
| Total risk-based capital ratio | 14.00% |
| Tier 1 leverage ratio | 10.17% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.21B |
| Tier 1 capital | $1.21B |
| Total risk-based capital | $1.38B |
| Total equity capital | $1.52B |
| Risk-weighted assets | $9.85B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.50% |
| Tangible equity to tangible assets | 9.59% |
| Equity capital to average assets | 12.43% |
| Internal capital growth rate | 6.14% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $39.0M |
| Common stock surplus | $845.9M |
| Retained earnings | $708.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$70.8M |
| Subordinated notes and debentures | $49.5M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.77% | 10.77% | 12.93% | 9.12% | $9.35B |
| Q4 2023 | 10.97% | 10.97% | 13.01% | 9.24% | $9.40B |
| Q1 2024 | 11.13% | 11.13% | 13.25% | 9.32% | $9.39B |
| Q2 2024 | 11.39% | 11.39% | 13.12% | 9.34% | $9.36B |
| Q3 2024 | 11.65% | 11.65% | 13.43% | 9.44% | $9.31B |
| Q4 2024 | 11.85% | 11.85% | 13.56% | 9.78% | $9.35B |
| Q1 2025 | 11.84% | 11.84% | 13.61% | 9.85% | $9.47B |
| Q2 2025 | 11.64% | 11.64% | 13.38% | 9.89% | $9.99B |
| Q3 2025 | 11.70% | 11.70% | 13.44% | 9.99% | $10.15B |
| Q4 2025 | 11.69% | 11.69% | 13.43% | 9.97% | $10.15B |
| Q1 2026 | 12.01% | 12.01% | 13.76% | 9.95% | $9.85B |
| Q2 2026 | 12.24% | 12.24% | 14.00% | 10.17% | $9.85B |
First Commonwealth Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commonwealth Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Commonwealth Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7468) · FFIEC NIC profile (RSSD 42420)