First Commonwealth Bank
Indiana, Pennsylvania, Indiana County
$12.2B in total assets, the 148th largest of 4,309 US banks and 8th of 113 headquartered in Pennsylvania.
- FDIC certificate
- 7468
- Established
- 1880
- Owned by
- First Commonwealth Finl Corp
- Primary regulator
- FDIC
- Website
- www.fcbanking.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $12.2B | 13% | $22.5B | |
| Loans | $9.5B | 22% | $14.5B | |
| Deposits | $10.3B | 16% | $18.4B | |
| Return on assets | 1.43% | 68% | 1.29% | |
| Net interest margin | 4.00% | 77% | 3.61% | |
| Efficiency ratio | 52.9% | 43% | 55.2% | |
| Equity to assets | 12.50% | 68% | 11.57% | |
| Loans to deposits | 92% | 70% | 87% |
Growth
Total assets grew 5.4% a year over the last 5 years and 6.1% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2025 | CenterBank Milford, OH | $341M |
| Feb 2023 | Centric Bank Harrisburg, PA | $1.1B |
| May 2018 | Foundation Bank Cincinnati, OH | $208M |
| Apr 2017 | The Delaware County Bank and Trust Company Lewis Center, OH | $553M |
| Oct 2015 | First Community Bank Whitehall, OH | $103M |
| Aug 2006 | Laurel Savings Bank Allison Park, PA | $321M |
| May 2004 | Great American Federal Pittsburgh, PA | $893M |
| Dec 2003 | Pittsburgh Savings Bank Pittsburgh, PA | $373M |
| Oct 2002 | Southwest Bank Greensburg, PA, an affiliate under the same holding company | $1.0B |
| Sep 1997 | Reliable Savings Bank Bridgeville, PA, an affiliate under the same holding company | $164M |
| Nov 1995 | Peoples Bank of Western Pennsylvania New Castle, PA, an affiliate under the same holding company | $177M |
| Nov 1995 | National Bank of the Commonwealth Indiana, PA, an affiliate under the same holding company | $506M |
| Nov 1995 | Central Bank Hollidaysburg, PA, an affiliate under the same holding company | $279M |
| Nov 1995 | Cenwest National Bank Johnstown, PA, an affiliate under the same holding company | $393M |
| Nov 1995 | Unitas National Bank Chambersburg, PA, an affiliate under the same holding company | $154M |
| Nov 1995 | First National Bank of Leechburg Leechburg, PA, an affiliate under the same holding company | $184M |
| Nov 1995 | Peoples Bank and Trust Company Jennerstown, PA, an affiliate under the same holding company | $111M |
| Mar 1977 | Farmers and Merchants Bank St. Marys, PA | n/a |
| Nov 1974 | The Houtzdale Bank Houtzdale, PA | n/a |
| Sep 1972 | Farmers and Merchants Bank of Cherry Tree, Pa. Cherry Tree, PA | n/a |
| Jan 1972 | First National Bank at Patton Patton, PA | n/a |
| Jan 1971 | Kiski Valley National Bank Vandergrift, PA | n/a |
Where they operate
129 branches in 29 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Allegheny County, PA | $2.0B | 1.1% | 9 of 31 |
| Westmoreland County, PA | $1.3B | 12.5% | 3 of 21 |
| Stark County, OH | $957M | 9.4% | 3 of 17 |
| Delaware County, OH | $811M | 11.1% | 5 of 17 |
| Indiana County, PA | $791M | 25.7% | 2 of 7 |
| Blair County, PA | $477M | 11.7% | 3 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 19 branches since 2016 (110 to 129, +17.3%). 31 opened, 31 acquired, 43 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 110 | |||
| 2016 | Closed Pittsburgh | 0 | 1 | −1 | 109 |
| 2017 | Acquired The Delaware County Bank and Trust CompanyOpened 13 in Ohio, closed Columbus | 28 | 1 | +27 | 136 |
| 2018 | Acquired Foundation BankClosed Altoona | 5 | 1 | +4 | 140 |
| 2019 | Opened Natrona HeightsClosed 5 in Pennsylvania | 1 | 5 | −4 | 136 |
| 2020 | Opened 14 in PennsylvaniaClosed 28 in 2 states | 14 | 28 | −14 | 122 |
| 2021 | Closed Canton and Pittsburgh | 0 | 2 | −2 | 120 |
| 2022 | Opened Wexford and WhitehallClosed Whitehall | 2 | 1 | +1 | 121 |
| 2023 | Acquired Centric Bank | 8 | 0 | +8 | 129 |
| 2024 | Opened ColumbusClosed Devon and Doylestown | 1 | 2 | −1 | 128 |
| 2025 | Acquired CenterBankClosed Mc Donald and Milford | 3 | 2 | +1 | 129 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 26% | 25% | |
| 1-4 family residential | 25% | 21% | |
| Business (C&I) | 19% | 17% | |
| Consumer | 15% | 9% | |
| Multifamily | 7% | 8% | |
| Construction and land | 5% | 6% | |
| Other | 3% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 62% | |
| Noninterest-bearing | 24% | 20% | |
| Time deposits | 16% | 18% |
Brokered deposits are 0.0% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.64% | 0.63% |
| Net charge-offs, annualized | 0.41% | 0.14% |
| Reserves to loans | 1.34% | 1.14% |
| Leverage ratio | 10.17% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Pennsylvania
Largest competitors in Allegheny County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/first-commonwealth