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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