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First Commonwealth Bank

Indiana, PA · Cert 7468 · First Commonwealth Finl Corp.

State charter, non-member · FDIC · 128 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

30

Q2 2024Q2 2026peer median (50)

Profitability

65

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

61

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Commonwealth Bank

Indiana, PA · Cert 7468 · First Commonwealth Finl Corp.

State charter, non-member · FDIC · 128 branches

Q2 2026

$12.2BAssets
$9.5BLoans
$10.3BDeposits
$1.5BEquity
Loan mix
65%RE $6.0B20%C&I $1.8B16%Consumer $1.4BQ2 2025Q2 2026
Deposit mix
76%Interest-bearing $7.8B24%Noninterest $2.5BQ2 2025Q2 2026

NIM

5.02%Q2 ’245.03%Q2 ’255.17%Q2 ’26+5%+9%

Non-interest income vs. expense

2.19%Q2 ’242.37%Q2 ’252.39%Q2 ’26+18%-1%

Market Position · Pittsburgh, PA · 2026 SOD (annual) · 1.9% share · #9 of 48 inst. · $4.0B of $209.3B

1.1% Allegheny
12.5% Westmoreland
9.4% Stark
11.1% Delaware

Executive Summary

  • Earnings: ROA of 1.40%, up 21 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.89% of loans (-16 bps YoY), with net charge-offs at 0.41%.
  • Capital: tier 1 leverage ratio of 10.17%, up 28 bps from a year ago.
  • Funding: loans stand at 92.04% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+21 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+30 bps YoY

Efficiency Ratio (YTD, annualized)

52.85%-382 bps YoY

Tier 1 Leverage Ratio

10.17%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%1.27%1.33%1.29%1.40%+21 bps
Return on Equity9.93%10.52%11.02%10.48%11.32%+139 bps
Net Interest Margin3.46%3.55%3.62%3.70%3.77%+30 bps
Efficiency Ratio56.67%54.86%54.10%54.34%52.85%-382 bps
Non-Interest Burden1.59%1.56%1.57%1.62%1.58%-2 bps
Growth
Asset Growth (YoY)5.25%2.72%6.55%4.05%-0.25%-550 bps
Loan Growth (YoY)6.28%8.20%8.23%3.62%-1.06%-734 bps
Deposit Growth (YoY)7.39%4.89%5.96%5.65%1.37%-603 bps
Asset Quality
Nonperforming Loans / Loans1.05%0.93%0.95%1.01%0.89%-16 bps
Net Charge-Offs / Loans0.12%0.25%0.30%0.34%0.41%+29 bps
Allowance / Loans1.38%1.33%1.29%1.36%1.34%-4 bps
Allowance Coverage of NPLs1.3x1.4x1.4x1.4x1.5x+0.2x
Capital
Tier 1 Leverage Ratio9.89%9.99%9.97%9.95%10.17%+28 bps
Total Risk-Based Capital13.38%13.44%13.43%13.76%14.00%+61 bps
Equity / Assets12.11%12.27%12.27%12.28%12.50%+39 bps
Liquidity & Funding
Loans / Deposits94.30%94.51%94.55%90.04%92.04%-226 bps
Liquid Assets / Assets4.35%4.22%4.80%6.51%5.24%+89 bps
CRE / Total Capitaln/a328%325%304%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Commonwealth Bank

Indiana, PA · Cert 7468 · Peer group: banks over $10B in assets (n=142-144) · First Commonwealth Finl Corp.

State charter, non-member · FDIC · 128 branches

Q2 2026

$12.2BAssets
$9.5BLoans
$10.3BDeposits
$1.5BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of banks over $10B in assets (rank 28 of 144).
  • Widest gap: net charge-offs / loans trails 77% of banks over $10B in assets (rank 111 of 142).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.41%

Rank 48 of 144

Net Interest Margin

3.77%

Rank 28 of 144

Efficiency Ratio

53.60%

Rank 57 of 144

Equity / Assets

12.50%

Rank 45 of 144

Non-interest income vs. expense

$100.1M$293.2MINCOMEEXPENSE
Unfavorable gap of $193.1M · efficiency ratio beats 61% of banks over $10B in assets
Bank 53.60%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.41%1.00%1.26%1.54%Beats 67%48 / 144
Return on Equity11.24%8.98%11.34%14.40%Beats 47%76 / 144
Net Interest Margin3.77%2.82%3.31%3.68%Beats 81%28 / 144
Efficiency Ratio53.60%49.42%56.02%62.41%Beats 61%57 / 144
Asset Quality
Nonperforming Loans / Loans0.89%0.48%0.73%1.07%Beats 37%91 / 142
Net Charge-Offs / Loans0.24%0.05%0.11%0.22%Beats 23%111 / 142
Capital
Tier 1 Capital Ratio12.24%12.07%12.98%14.92%Beats 31%99 / 144
Total Risk-Based Capital Ratio14.00%13.39%14.14%16.25%Beats 44%80 / 144
Equity / Assets12.50%9.69%11.39%12.96%Beats 69%45 / 144
Liquidity & Funding
Loans / Deposits92.04%75.72%84.92%91.56%76th pctl34 / 143
Loans / Assets78.13%59.83%69.07%74.80%85th pctl22 / 144
Brokered Deposits / Depositsn/aNot reported for this institution