What is First Commonwealth Bank's financial health grade?

First Commonwealth Bank has a TFS Financial Health Grade of C (score: 74.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First Commonwealth Bank have?

First Commonwealth Bank has 129 branch locations across the United States.

Is First Commonwealth Bank FDIC insured?

Yes, First Commonwealth Bank is FDIC insured (Certificate #7468).

What are the total assets of First Commonwealth Bank?

First Commonwealth Bank has total assets of $12.3B as reported in its most recent FDIC filing.

First Commonwealth Bank

BankIndiana, Pennsylvania

www.fcbanking.com

Total Assets

$12.3B

Total Deposits

$10.3B

Branches

129

Established

1880

TFS Health Grade

74.2 / 100

Average financial health

How we grade

First Commonwealth Bank is a bank headquartered in Indiana, Pennsylvania, established in 1880. With $12.3B in total assets and 129 branch locations, it has a TFS Financial Health Grade of C (74.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.97%(8%)

Total Capital Ratio

13.43%(10%)

Non-Performing Loan Ratio

0.95%

Profitability

Return on Assets (ROA)

1.33%(1%)

Return on Equity (ROE)

11.02%(10%)

Net Interest Margin

3.93%

Efficiency Ratio

54.10%(60%)

Lending & Liquidity

Total Loans

$9.8B

Loan-to-Deposit Ratio

93.33%

Net Charge-Off Ratio

0.31%

Growth

Asset Growth (YoY)

+6.55%

Deposit Growth (YoY)

+5.96%

Net Income

$160.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First Commonwealth BankHQ	654 Philadelphia St	Indiana	PA	11
First Commonwealth Bank	4200 Park Ave	Ashtabula	OH	11
First Commonwealth Bank	2150 Locust St S	Canal Fulton	OH	11
First Commonwealth Bank	6252 Middlebranch Ave Ne	Canton	OH	11
First Commonwealth Bank	1100 30th St Nw	Canton	OH	11
First Commonwealth Bank	4555 Belden Village St Nw	Canton	OH	11
First Commonwealth Bank	2917 Whipple Ave Nw	Canton	OH	11
First Commonwealth Bank	7391 Beechmont Ave	Cincinnati	OH	11
First Commonwealth Bank	3521 Erie Ave	Cincinnati	OH	11
First Commonwealth Bank	25 Garfield Pl	Cincinnati	OH	11
First Commonwealth Bank	9960 Springfield Pike	Cincinnati	OH	11
First Commonwealth Bank	647 N High St	Columbus	OH	11
First Commonwealth Bank	701 Parsons Avenue	Columbus	OH	11
First Commonwealth Bank	199 S Sandusky St	Delaware	OH	11
First Commonwealth Bank	41 N Sandusky St	Delaware	OH	11
First Commonwealth Bank	980 W Central Ave	Delaware	OH	11
First Commonwealth Bank	110 Riverbend Avenue	Lewis Center	OH	11
First Commonwealth Bank	81 Gallopers Rdg E	Lewis Center	OH	11
First Commonwealth Bank	308 E Gorgas St	Louisville	OH	11
First Commonwealth Bank	6934 Miami Ave	Madeira	OH	11
First Commonwealth Bank	2704 Lincoln Way E	Massillon	OH	11
First Commonwealth Bank	140 Lincoln Way W	Massillon	OH	11
First Commonwealth Bank	5594 Wales Ave Nw	Massillon	OH	11
First Commonwealth Bank	744 State Route 28	Milford	OH	11
First Commonwealth Bank	4730 Montgomery Rd	Norwood	OH	11
First Commonwealth Bank	110 Riverbend Ave	Powell	OH	13
First Commonwealth Bank	10149 Brewster Ln	Powell	OH	11
First Commonwealth Bank	7319 Sawmill Pkwy	Powell	OH	11
First Commonwealth Bank	75 S Miller Dr	Sunbury	OH	11
First Commonwealth Bank	6156 Highland Lakes Ave	Westerville	OH	11
First Commonwealth Bank	51 S Hamilton Rd	Whitehall	OH	11
First Commonwealth Bank	2724 Harts Run Rd	Allison Park	PA	11
First Commonwealth Bank	2009 Pleasant Valley Blvd	Altoona	PA	11
First Commonwealth Bank	2984 Pleasant Valley Blvd	Altoona	PA	11
First Commonwealth Bank	9503 Lincoln Hwy, Lincoln Center	Bedford	PA	11
First Commonwealth Bank	250 Main St	Beech Creek	PA	11
First Commonwealth Bank	53 E Market St	Blairsville	PA	11
First Commonwealth Bank	428 Station St	Bridgeville	PA	11
First Commonwealth Bank	1201 Main St	Brockway	PA	11
First Commonwealth Bank	223 Main St	Brookville	PA	11
First Commonwealth Bank	100 N Main St	Butler	PA	11
First Commonwealth Bank	520 Butler Crossing	Butler	PA	11
First Commonwealth Bank	1625 Market St	Camp Hill	PA	11
First Commonwealth Bank	311 Ski Gap Road	Claysburg	PA	11
First Commonwealth Bank	14303 Clearfield Shawville Hwy	Clearfield	PA	11
First Commonwealth Bank	1189 Freedom Rd	Cranberry Township	PA	11
First Commonwealth Bank	315 Mill St	Danville	PA	11
First Commonwealth Bank	6514 Route 22	Delmont	PA	11
First Commonwealth Bank	38 Greensburg St	Delmont	PA	11
First Commonwealth Bank	200 S Chestnut St	Derry	PA	11

Showing 50 of 129 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.