First Commonwealth Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Commonwealth Bank of Indiana, PA against its peer group of 136 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.34% | +0.16% | 67th above |
| ROAE Behind the peer average, ahead of the median peer. | 12.19% | 12.25% | -0.06% | 62nd above |
| Net Interest Margin | 4.00% | 3.68% | +0.32% | 79th top |
| Efficiency Ratio | 51.37% | 53.86% | -2.49% | 60th above |
| PPNR / Avg Assets | 2.18% | — | — | 75th top |
| Yield on Earning Assets | 5.61% | 5.58% | +0.03% | 67th above |
| Cost of Funds | 1.73% | 1.99% | -0.26% | 62nd above |
| Net Interest Spread | 3.34% | — | — | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.89% | 1.09% | -0.20% | 33rd below |
| NPA / Total Assets | 0.72% | — | — | 29th below |
| NCO / Avg Loans | 0.49% | 0.36% | +0.13% | 14th bottom |
| ACL / Total Loans | 1.34% | — | — | 75th top |
| ACL / NPLs (Coverage) | 150.16% | — | — | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.02% | 5.43% | -0.41% | 39th below |
| Provision / NCO | 78.06% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.24% | 14.50% | -2.26% | 29th below |
| Tier 1 Ratio | 12.24% | 14.60% | -2.36% | 28th below |
| Total Capital Ratio | 14.00% | — | — | 44th below |
| Leverage Ratio | 10.17% | 10.26% | -0.09% | 48th below |
| Equity / Assets | 12.50% | 11.55% | +0.95% | 67th above |
| TCE / Tangible Assets | 9.59% | — | — | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.04% | 83.97% | +8.07% | 28th below |
| Core Deposit Ratio | 96.42% | 86.78% | +9.64% | 87th top |
| Uninsured Deposit Ratio | 27.53% | 38.93% | -11.40% | 78th top |
| Wholesale Funding Ratio | 1.57% | — | — | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.25% | — | — | 13th bottom |
| Loan Growth (Y/Y) | -1.06% | — | — | 12th bottom |
| Deposit Growth (Y/Y) | 1.37% | — | — | 22nd bottom |
See First Commonwealth Bank's peers by name
The 136 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Commonwealth Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Commonwealth Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the First Commonwealth Bank peer analysis.