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 | |