First Commonwealth Financial Corp (NYSE: FCF) is a financial holding company headquartered in Indiana, Pennsylvania, that provides consumer and commercial banking services through its primary subsidiary, First Commonwealth Bank (FCB). The company earns revenue through net interest income on loans and deposits, and fee-based income from trust and wealth management, insurance products, service charges, card-related interchange, mortgage loan sales, and insurance and retail brokerage commissions. At December 31, 2025, First Commonwealth had total assets of $12.3 billion, total loans of $9.8 billion, and total deposits of $10.3 billion. Operating subsidiaries include First Commonwealth Bank, First Commonwealth Insurance Agency (FCIA), and FRAMAL. The loan portfolio is weighted toward commercial real estate and commercial financial, agricultural, and other loans, which represented the most significant portions of nonperforming loans as of December 31, 2025. The allowance for credit losses was $125.8 million, or 1.32% of loans outstanding, at December 31, 2025.

Revenue model

Net interest income from loans and investment securities, plus noninterest income from trust and wealth management fees, service charges on deposit accounts, card-related interchange, insurance and retail brokerage commissions, gain on sale of mortgage loans, and income from bank-owned life insurance.

Products and services

Consumer and commercial banking loans and deposits, trust and wealth management services, insurance products (through First Commonwealth Insurance Agency), retail brokerage, mortgage origination and sale, and card-related products.

Customers and end markets

Consumer and commercial borrowers and depositors; commercial real estate and agricultural borrowers represent significant loan concentrations as of December 31, 2025.

Value-chain role

Community bank and financial holding company acting as direct lender, deposit gatherer, wealth manager, and insurance intermediary for consumer and commercial customers.

Geographic exposure

Headquartered in Indiana, Pennsylvania; operates as a regional financial institution in the United States.

Source: SEC 10-K, filed 2026-03-02

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