Indiana, PA · Cert 7468 · First Commonwealth Finl Corp.
State charter, non-member · FDIC · 128 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
48
Asset Quality
30
Profitability
65
Liquidity
51
Efficiency
61
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.
Indiana, PA · Cert 7468 · First Commonwealth Finl Corp.
State charter, non-member · FDIC · 128 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 1.9% share · #9 of 48 inst. · $4.0B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.29% | 1.19% | 1.19% | 1.27% | 1.33% | 1.29% | 1.40% | +21 bps | |
| Return on Equity | 11.32% | 11.28% | 9.98% | 9.93% | 10.52% | 11.02% | 10.48% | 11.32% | +139 bps | |
| Net Interest Margin | 3.33% | 3.38% | 3.39% | 3.46% | 3.55% | 3.62% | 3.70% | 3.77% | +30 bps | |
| Efficiency Ratio | 54.06% | 54.27% | 57.89% | 56.67% | 54.86% | 54.10% | 54.34% | 52.85% | -382 bps | |
| Non-Interest Burden | 1.39% | 1.42% | 1.61% | 1.59% | 1.56% | 1.57% | 1.62% | 1.58% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.92% | 1.26% | 0.79% | 5.25% | 2.72% | 6.55% | 4.05% | -0.25% | -550 bps | |
| Loan Growth (YoY) | 0.87% | 0.41% | 1.14% | 6.28% | 8.20% | 8.23% | 3.62% | -1.06% | -734 bps | |
| Deposit Growth (YoY) | 5.86% | 5.54% | 4.64% | 7.39% | 4.89% | 5.96% | 5.65% | 1.37% | -603 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.84% | 0.70% | 0.66% | 1.05% | 0.93% | 0.95% | 1.01% | 0.89% | -16 bps | |
| Net Charge-Offs / Loans | 0.26% | 0.35% | 0.14% | 0.12% | 0.25% | 0.30% | 0.34% | 0.41% | +29 bps | |
| Allowance / Loans | 1.40% | 1.32% | 1.31% | 1.38% | 1.33% | 1.29% | 1.36% | 1.34% | -4 bps | |
| Allowance Coverage of NPLs | 1.7x | 1.9x | 2.0x | 1.3x | 1.4x | 1.4x | 1.4x | 1.5x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.44% | 9.78% | 9.85% | 9.89% | 9.99% | 9.97% | 9.95% | 10.17% | +28 bps | |
| Total Risk-Based Capital | 13.43% | 13.56% | 13.61% | 13.38% | 13.44% | 13.43% | 13.76% | 14.00% | +61 bps | |
| Equity / Assets | 11.47% | 11.86% | 11.99% | 12.11% | 12.27% | 12.27% | 12.28% | 12.50% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.62% | 92.57% | 91.80% | 94.30% | 94.51% | 94.55% | 90.04% | 92.04% | -226 bps | |
| Liquid Assets / Assets | 7.36% | 3.71% | 4.56% | 4.35% | 4.22% | 4.80% | 6.51% | 5.24% | +89 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 328% | 325% | 304% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.41% | 1.00% | 1.26% | 1.54% | Beats 67% | 48 / 144 | ||
| Return on Equity | 11.24% | 8.98% | 11.34% | 14.40% | Beats 47% | 76 / 144 | ||
| Net Interest Margin | 3.77% | 2.82% | 3.31% | 3.68% | Beats 81% | 28 / 144 | ||
| Efficiency Ratio | 53.60% | 49.42% | 56.02% | 62.41% | Beats 61% | 57 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.48% | 0.73% | 1.07% | Beats 37% | 91 / 142 | ||
| Net Charge-Offs / Loans | 0.24% | 0.05% | 0.11% | 0.22% | Beats 23% | 111 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.24% | 12.07% | 12.98% | 14.92% | Beats 31% | 99 / 144 | ||
| Total Risk-Based Capital Ratio | 14.00% | 13.39% | 14.14% | 16.25% | Beats 44% | 80 / 144 | ||
| Equity / Assets | 12.50% | 9.69% | 11.39% | 12.96% | Beats 69% | 45 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 92.04% | 75.72% | 84.92% | 91.56% | 76th pctl | 34 / 143 | ||
| Loans / Assets | 78.13% | 59.83% | 69.07% | 74.80% | 85th pctl | 22 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||