First Commonwealth Financial Corp

fcbanking.com

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.