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
Unfavorable gap of $193.1M · efficiency ratio beats 61% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |