First Commonwealth Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 41.5% in Q2 2026, from $31.6M to $44.8M. It was the largest change from Q1 2026 among the key lines here. First Commonwealth Bank ranks 40th of 109 Pennsylvania banks on loan-to-deposit ratio, in the upper half at 92.04% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. First Commonwealth Bank sits 5.17 points higher, at 92.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.51B |
| Net loans and leases | $9.38B |
| Loans held for sale | $44.8M |
| Loans to total assets | 78.13% |
| Loan-to-deposit ratio | 92.04% |
| Net loans to equity capital | 6.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.68% |
| Multifamily (5+ residential) | 6.69% |
| Commercial and industrial | 19.21% |
| Consumer | 15.32% |
| Credit cards | 0.09% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.04% |
| Construction concentration (Tier 1 capital + allowance) | 37.86% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.04% |
| Interest income on loans | $140.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $8.93B | $9.29B | 28.02% | 15.39% | 15.28% |
| Q4 2023 | $9.00B | $9.25B | 27.70% | 15.62% | 15.09% |
| Q1 2024 | $9.03B | $9.51B | 27.69% | 15.98% | 14.99% |
| Q2 2024 | $9.05B | $9.49B | 27.37% | 16.23% | 14.88% |
| Q3 2024 | $9.01B | $9.84B | 27.93% | 16.24% | 14.99% |
| Q4 2024 | $9.04B | $9.76B | 27.84% | 16.60% | 15.01% |
| Q1 2025 | $9.13B | $9.95B | 27.46% | 17.24% | 14.98% |
| Q2 2025 | $9.61B | $10.19B | 28.21% | 18.11% | 14.67% |
| Q3 2025 | $9.75B | $10.32B | 28.39% | 18.34% | 14.79% |
| Q4 2025 | $9.78B | $10.34B | 27.90% | 18.72% | 14.91% |
| Q1 2026 | $9.47B | $10.51B | 26.82% | 19.35% | 15.16% |
| Q2 2026 | $9.51B | $10.33B | 25.68% | 19.21% | 15.32% |
First Commonwealth Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commonwealth Bank, freeSource: Call Report Schedule RC-C, 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)