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First Commonwealth Bank
Indiana, PA·FDIC Cert #7468·Charter: STATE·Est. 18800921.0·HC: FIRST COMMONWEALTH FINL CORP
Total Assets
$12.3B
Q4 2025
Return on Assets
1.33%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
54.10%
Peer avg: 55.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.33%+0.07
ROE
11.02%+0.51
Efficiency
54.10%-0.76
Equity/Assets
0.00%+0.00
NPL Ratio
0.96%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
93.33%+0.08
Charge-offs
0.31%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.4 | 1.4 | 1.3 | 1.3 | 1.2 | 1.2 | 1.3 | 1.3 |
| ROE | 12.2 | 12.0 | 11.3 | 11.3 | 10.0 | 9.9 | 10.5 | 11.0 |
| Efficiency | 54.0 | 53.3 | 54.1 | 54.3 | 57.9 | 56.7 | 54.9 | 54.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.7 | 0.9 | 0.7 | 0.7 | 1.1 | 0.9 | 1.0 |
| Charge-offs | 0.2 | 0.2 | 0.3 | 0.3 | 0.1 | 0.1 | 0.3 | 0.3 |
| Loan/Deposit | 93.7 | 94.0 | 90.3 | 91.4 | 90.6 | 93.0 | 93.3 | 93.3 |
Balance Sheet
Total Assets$12.3B
Total Deposits$10.3B
Total Loans$9.7B
Total Equity$1.5B
Profitability
ROA1.33%
ROE11.02%
Efficiency Ratio54.10%
Net Income$160.4M
Risk & Asset Quality
NPL Ratio0.96%
Charge-off Rate0.31%
Loan/Deposit93.33%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans