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First Commonwealth Bank
Indiana, PA · FDIC Certificate #7468 · Chartered 09/2
Total assets
$12.18B
Total deposits
$10.33B
Total equity
$1.52B
Net loans
$9.38B
Branches (offices)
128
Net income (YTD)
$85.53M
Rank: #145 of 4,213 U.S. banks by assets · #8 of 109 in Pennsylvania. Assets changed -0.2% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 11.32% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 12.50% |
| Tier 1 leverage ratio | 10.17% |
| Uninsured deposits (share of deposits) | 27.5% |
| Noncurrent loans (share of loans) | 0.89% |
| Net charge-offs (share of loans) | 0.41% |
| Loans to deposits | 90.8% |
| Real estate loans (share of loans) | 63.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $5.98B | 63.7% | |
| Commercial & industrial | $1.83B | 19.5% | |
| Consumer / individual | $1.46B | 15.5% | |
| Construction & development | $504.98M | 5.4% | |
| Agricultural | $6.10M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.50B | $8.08B | $61.40M | $1.06B |
| Jun 2023 | $11.29B | $9.19B | $77.44M | $1.21B |
| Jun 2024 | $11.60B | $9.49B | $78.10M | $1.32B |
| Jun 2025 | $12.21B | $10.19B | $70.45M | $1.48B |
| Jun 2026 | $12.18B | $10.33B | $85.53M | $1.52B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $7.89B | 98 |
| Ohio | $2.45B | 30 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $10.33B.
Similar-sized banks
Happen Bank, National Association ($12.48B) · Columbia Bank ($12.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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