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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Pennsylvania, the state note

First Commonwealth Bank

Indiana, Pennsylvania · $12.18B in assets · beside the 7 other Pennsylvania banks over $10B

The filing

0.89%
NPA / loans
8th of 8
29.7%
CRE / loans
8th of 8
1.40%
ROA
1st of 8

First Commonwealth Bank is the smallest of the 8 Pennsylvania banks over $10B, with $12.18B in assets at 30 June 2026. Loans are 92.0% of deposits, 5th of 8 against a median of 90.5%, and equity is 12.5% of assets, 2nd of 8. Loans grew -1.1% in the year, 7th of 8, and deposits grew 1.4%; the cohort's median loan growth is +4.5%.

Noncurrent loans are 0.89% of the book, the highest in the cohort against a median of 0.54%; 0.45% is 30 to 89 days past due, and the allowance covers them 1.5 times. Net charge-offs are 0.41% of loans, the highest in the cohort. Commercial real estate is 29.7% of loans, the highest in the cohort against a median of 24.6%, and 205% of capital, below the 300% screen, with construction at 37% against the 100% screen.

Return on assets is 1.40%, the highest in the cohort against a median of 1.18%, on an efficiency ratio of 53.6%, 4th of 8. Five years ago it was 1.54%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 8.0% of loans).

Commercial real estate, share of loansPA banks over $10B · 30 June 2026 · lower is stronger, listed first
median 24.6% BM BNY Mellon National Association 4.2% NB Northwest Bank 14.8% TC Tristate Capital Bank 16.8% FN First National Bank of Pennsylvania 24.2% DB Dollar Bank FSB 25.0% CB Customers Bank 25.3% FB Fulton Bank National Association 26.8% FC First Commonwealth Bank 29.7%
Loans, year over yearPA banks over $10B · 30 June 2026 · no better direction, largest first
median +4.5% TC Tristate Capital Bank +23.5% CB Customers Bank +16.9% NB Northwest Bank +16.6% DB Dollar Bank FSB +5.8% FN First National Bank of Pennsylvania +3.1% FB Fulton Bank National Association +1.5% FC First Commonwealth Bank -1.1% BM BNY Mellon National Association -1.2%

SBA 7(a), FY2008 to FY2026

First Commonwealth Bank is the 6th largest 7(a) lender into Pennsylvania of 374, with $498M across 978 loans, 4.0% of everything approved in the state (The Huntington National Bank leads with $747M). 66 of its 252 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Pennsylvania, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Allegheny, PA$118M2nd of 1409.1%+0.4 pts
Hamilton, OH$50M7th of 1223.5%+1.0 pts
Franklin, OH$49M10th of 1662.3%-0.4 pts
Westmoreland, PA$49M1st of 7415.3%-18.1 pts
Cuyahoga, OH$43M8th of 1452.2%-2.4 pts
Butler, PA$35M2nd of 5914.4%-6.2 pts
Dallas, TX$28M47th of 3140.5%-0.3 pts
Summit, OH$25M6th of 1062.9%+0.0 pts
Cumberland, PA$23M1st of 669.1%+1.5 pts
Dauphin, PA$22M3rd of 717.2%+2.8 pts
Washington, PA$22M2nd of 6011.4%-6.4 pts
Stark, OH$21M4th of 764.9%-7.0 pts
Fairfield, OH$19M2nd of 6010.1%+30.6 pts
239 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing238$188M16.4%0.48%35th of 2,246
Accommodation & food services286$169M14.8%0.22%99th of 2,596
Other services218$140M12.2%0.40%54th of 2,248
Construction207$118M10.2%0.37%46th of 2,063
Retail trade192$98M8.6%0.16%112th of 2,589
7(a) lenders into Pennsylvania, share of approvals since FY2008374 lenders on record; the ten largest and First Commonwealth Bank
TH The Huntington National Bank 6.0% $747M · 3,723 loans WS Wilmington Savings Fund Society F… 5.3% $655M · 959 loans LO Live Oak Banking Company 4.9% $615M · 509 loans FB Fulton Bank, National Association 4.3% $533M · 636 loans BB Beacon Bank and Trust 4.2% $526M · 572 loans FC First Commonwealth Bank 4.0% $498M · 978 loans Ma Manufacturers and Traders Trust C… 3.6% $451M · 3,808 loans MB Meridian Bank 3.0% $373M · 416 loans TB TD Bank, National Association 2.8% $349M · 2,613 loans PB PNC Bank, National Association 2.6% $318M · 1,532 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
First Commonwealth BankRankCohort median
Total CRE against capital, the 300% screen205%8th of 8172%
Construction against capital, the 100% screen37%6th of 818%
Construction and land development, share of loans5.3%6th of 82.4%
Non-owner-occupied nonfarm nonresidential, share of loans17.7%8th of 812.6%
Total CRE, the guidance definition, share of loans29.7%8th of 824.6%
CRE growth over 36 months, the third prong-2.5%2nd of 8+13.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First National Bank of Pennsylvania$50.80B1.2%53.2%0.38%0.19%1.2%92.2%13.4%
Fulton Bank National Association$32.56B1.3%58.9%0.71%0.30%1.5%89.0%11.0%
BNY Mellon National Association$30.62B0.9%71.5%0.06%0.00%0.1%71.4%11.6%
Customers Bank$26.50B1.2%48.9%0.33%0.31%0.9%82.4%8.8%
Tristate Capital Bank$24.26B0.7%47.8%0.30%0.13%0.3%87.3%7.0%
Northwest Bank$17.21B1.3%56.6%0.69%0.15%1.1%92.1%11.6%
Dollar Bank FSB$12.70B0.6%72.8%0.72%0.08%1.0%99.0%10.3%
First Commonwealth Bank$12.18B1.4%53.6%0.89%0.41%1.3%92.0%12.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Commonwealth BankCohort median
20212026Change20212026Change
Loans$6.76B$9.51B+41%$13.64B$18.30B+34%
Deposits$7.91B$10.33B+31%$13.19B$22.10B+68%
NPA / loans0.70%0.89%+0.20 pts0.61%0.54%-0.07 pts
Efficiency52.8%53.6%+0.8 pts56.9%55.1%-1.8 pts
ROA1.54%1.40%-0.14 pts1.10%1.18%+0.07 pts

This read was prepared for First Commonwealth Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Commonwealth Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort PA banks over $10B
Institution www.fcbanking.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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